Unique ID

Borrower Last Name

Overall Event Level Grade

Final Credit Event

Credit Exception(s)

Credit Comment(s)

Final Compliance Event

Compliance Exception(s)

Compliance Comment(s)

DBRS Final Compliance Grade

Fitch Final Compliance Grade

Kroll Final Compliance Grade

Moody's Final Compliance Grade

S&P Final Compliance Grade

Subject to High Cost Lending

Fees Captured for Testing

Document Used for Testing

State

Origination Date

Purpose at Origination

Occupancy at Origination

Originator

Original Principal Balance

Unpaid Principal Balance

Originator Loan Designation

Due Diligence Loan Designation

95001798

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-14: Appraisal not provided

2

*** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/25/2006, prior to three (3) business days from transaction date of 08/22/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-11: Index used was 3.94% but closest Index available in the look back period is 4.34%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95001918

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $225,269.37 is underdisclosed from calculated Finance Charge of $230,580.39 in the amount of $5,311.02. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/27/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $225,269.37 is underdisclosed from calculated Finance Charge of $230,580.39 in the amount of $5,311.02. COMMENT: 2018-05-11: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

11/XX/2006

Refinance

Primary

XXX

$XXX

95003873

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $359,637.54 is underdisclosed from calculated Finance Charge of $381,690.37 in the amount of $22,052.83. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/07/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/07/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $359,637.54 is underdisclosed from calculated Finance Charge of $381,690.37 in the amount of $22,052.83. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95002859

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $219,513.69 is underdisclosed from calculated Finance Charge of $232,738.62 in the amount of $13,224.93. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/17/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/17/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95002565

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-15: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/22/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/09/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2004

Refinance

Primary

XXX

$XXX

95000504

XXX

2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-11: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

IL

11/XX/2004

Refinance

Primary

XXX

$XXX

95001972

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $263,748.83 is underdisclosed from calculated Finance Charge of $267,646.56 in the amount of $3,897.73. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/08/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/08/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $263,748.83 is underdisclosed from calculated Finance Charge of $267,646.56 in the amount of $3,897.73. COMMENT: 2018-05-14: Closing instructions indicate that the lender used an index of 4.49%, The closest index in our look-back period is 4.65%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004243

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $142,217.70 is underdisclosed from calculated Finance Charge of $143,847.73 in the amount of $1,630.03. - EV2 *** (OPEN) Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/13/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/13/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

MI

10/XX/2006

Refinance

Primary

XXX

$XXX

95001957

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $342,784.80 is underdisclosed from calculated Finance Charge of $351,121.38 in the amount of $8,336.58. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/01/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/01/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-11: Per the closing instructions the lender used an index of 4.897%. The closest index in the look-back period is 4.99667%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

11/XX/2006

Refinance

Primary

XXX

$XXX

95000346

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $62,466.53 is underdisclosed from calculated Finance Charge of $63,058.33 in the amount of $591.80. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/24/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/24/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Closing instructions indicate the Index used was 1.083%. The closest Index available in the look-back period is 1.11833%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

7/XX/2004

Refinance

Primary

XXX

$XXX

95002575

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/11/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/15/2004. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

6/XX/2004

Refinance

Primary

XXX

$XXX

95001466

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/01/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/20/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2006

Refinance

Primary

XXX

$XXX

95000580

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-15: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $221,214.38 is underdisclosed from calculated Finance Charge of $225,258.88 in the amount of $4,044.50. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/10/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/10/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

No

Yes

Final HUD1

AZ

3/XX/2005

Purchase

Primary

XXX

$XXX

95003384

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $243,576.88 is underdisclosed from calculated Finance Charge of $254,637.78 in the amount of $11,060.90. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/23/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/23/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $243,576.88 is underdisclosed from calculated Finance Charge of $254,637.78 in the amount of $11,060.90. COMMENT: 2018-05-11: Per closing instructions the lender used an index of 2.97%. The closest index in our look-back period is 3.14%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95001552

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $470,641.90 is underdisclosed from calculated Finance Charge of $495,741.42 in the amount of $25,099.52. - EV2

*** (OPEN) 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. COMMENT: 2018-05-11: Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.56%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

3/XX/2006

Refinance

Primary

XXX

$XXX

95001694

XXX

1

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-15: Appraisal not provided

1

A

A

A

A

A

No

Yes

Final HUD1

CA

6/XX/2006

Refinance

Investment

XXX

$XXX

95001781

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/10/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

8/XX/2006

Refinance

Primary

XXX

$XXX

95004151

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/28/2006. - EV2 *** (OPEN) Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

9/XX/2006

Refinance

Primary

XXX

$XXX

95004107

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $547,542.30 is underdisclosed from calculated Finance Charge of $571,096.92 in the amount of $23,554.62. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/21/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/21/2006. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. *** (OPEN) 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. COMMENT: 2018-05-14: The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2006

Refinance

Primary

XXX

$XXX

95004977

XXX

1

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

1

A

A

A

A

A

Yes

Yes

Final HUD1

TX

11/XX/2007

Refinance

Primary

XXX

$XXX

95000959

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/15/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/11/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $215,806.92 is underdisclosed from calculated Finance Charge of $225,903.49 in the amount of $10,096.57. COMMENT: 2018-05-15: Approval indicates the Lender used an index of 1.836% but the lowest index in the look back period is 1.99583%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95000179

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/14/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/06/2003. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2003

Purchase

Primary

XXX

$XXX

95003316

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $239,828.34 is underdisclosed from calculated Finance Charge of $249,251.63 in the amount of $9,423.29. COMMENT: 2018-05-14: Closing instructions indicate the Index used was 2.89%. The lowest Index available within the look-back period is 3.06%. *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-14: 5% late charge exceeds 4% maximum per state (NC)

B

B

B

B

B

Yes

Yes

Final HUD1

NC

10/XX/2005

Purchase

Primary

XXX

$XXX

95001974

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $497,763.14 is underdisclosed from calculated Finance Charge of $497,866.81 in the amount of $103.67. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2006

Refinance

Primary

XXX

$XXX

95003979

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $513,291.19 is underdisclosed from calculated Finance Charge of $557,958.90 in the amount of $44,667.71. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11% *** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

7/XX/2006

Refinance

Primary

XXX

$XXX

95000586

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-15: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $181,510.63 is underdisclosed from calculated Finance Charge of $190,839.34 in the amount of $9,328.71. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/10/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/10/2004. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2004

Refinance

Primary

XXX

$XXX

95003813

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-30: Appraisal not provided

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/22/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95003992

XXX

1

1

A

A

A

A

A

No

Yes

Final HUD1

MA

7/XX/2006

Refinance

Investment

XXX

$XXX

95000294

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/03/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/03/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $195,612.48 is underdisclosed from calculated Finance Charge of $195,667.52 in the amount of $55.04. COMMENT: 2018-05-14: Unable to determine under disclosure due to missing Itemization of prepaid finance charges. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95003472

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $318,004.25 is underdisclosed from calculated Finance Charge of $326,880.08 in the amount of $8,875.83. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

1/XX/2006

Refinance

Primary

XXX

$XXX

95003780

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/27/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2006

Refinance

Primary

XXX

$XXX

95000814

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Approval indicates the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2005

Refinance

Primary

XXX

$XXX

95001005

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $456,427.24 is underdisclosed from calculated Finance Charge of $479,831.59 in the amount of $23,404.35. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/23/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/23/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.52%. The closest Index available in our look-back period is 2.70%

B

B

B

B

B

No

Yes

Final HUD1

CA

6/XX/2005

Purchase

Primary

XXX

$XXX

95003598

XXX

2

2

*** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Maryland Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/22/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/19/2006. - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2

*** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-05-14: 10 day grace period less than 15 day minimum per state (MD) *** (OPEN) Maryland Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-14: 6% late charge exceeds 5% maximum per state MD *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2018-05-14: 6% late charge exceeds 5% maximum per state MD.

B

B

B

B

B

No

Yes

Final HUD1

MD

2/XX/2006

Refinance

Investment

XXX

$XXX

95000552

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/30/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2004

Refinance

Primary

XXX

$XXX

95002439

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2

*** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2018-05-17: Late charge not allowed per state (CO) - max late charge for CO is 5% - note states 6%

B

B

B

B

B

No

Yes

Final HUD1

CO

8/XX/2002

Refinance

Investment

XXX

$XXX

95000834

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/30/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/31/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

7/XX/2005

Refinance

Primary

XXX

$XXX

95000359

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2005

Refinance

Primary

XXX

$XXX

95001865

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49% *** (OPEN) 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. COMMENT: 2018-05-25: Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

9/XX/2006

Refinance

Primary

XXX

$XXX

95003145

XXX

2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) 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. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-15: 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 XXX *** (OPEN) 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. COMMENT: 2018-05-12: 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

B

B

B

B

B

No

Yes

Final HUD1

CA

9/XX/2005

Purchase

Primary

XXX

$XXX

95000347

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2004

Refinance

Primary

XXX

$XXX

95000420

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $336,504.94 is underdisclosed from calculated Finance Charge of $341,839.94 in the amount of $5,335.00. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/06/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/06/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-12: Lender's approval indicates the Index used was 1.162%. The lowest Index available within the look-back period is 1.21167%.

B

B

B

B

B

No

Yes

Final HUD1

CA

9/XX/2004

Purchase

Primary

XXX

$XXX

95002891

XXX

1

*** (OPEN) Missing Document: Missing Final 1003 - EV2

1

A

A

A

A

A

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95004336

XXX

2

2

*** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/06/2006, prior to three (3) business days from transaction date of 12/02/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

WA

11/XX/2006

Refinance

Primary

XXX

$XXX

95000150

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/12/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/25/2003. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2003

Refinance

Primary

XXX

$XXX

95003141

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%. *** (OPEN) 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. COMMENT: 2018-05-15: Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2005

Refinance

Primary

XXX

$XXX

95005177

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/01/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2008. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

3/XX/2008

Refinance

Primary

XXX

$XXX

95000684

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/15/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/15/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-13: Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95004528

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/28/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

3/XX/2007

Refinance

Primary

XXX

$XXX

95001358

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $779,083.83 is underdisclosed from calculated Finance Charge of $795,178.99 in the amount of $16,095.16. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/16/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/16/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95001699

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $280,854.19 is underdisclosed from calculated Finance Charge of $289,914.97 in the amount of $9,060.78. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/19/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/19/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95003394

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/20/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/20/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

AZ

12/XX/2005

Refinance

Investment

XXX

$XXX

95003970

XXX

2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/06/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

7/XX/2006

Purchase

Primary

XXX

$XXX

95004656

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) - EV3 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/07/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/07/2007. - EV2

*** (OPEN) Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) COMMENT: 2018-05-25: 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.

C

C

C

C

C

No

Yes

Final HUD1

MA

8/XX/2007

Refinance

Investment

XXX

$XXX

95003820

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $235,589.71 is underdisclosed from calculated Finance Charge of $249,366.95 in the amount of $13,777.24. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/29/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/29/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95000558

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $291,098.49 is underdisclosed from calculated Finance Charge of $298,632.28 in the amount of $7,533.79. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/23/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95001298

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $537,006.46 is underdisclosed from calculated Finance Charge of $560,893.14 in the amount of $23,886.68. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/07/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/07/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95004061

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $642,679.59 is underdisclosed from calculated Finance Charge of $667,177.63 in the amount of $24,498.04. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/05/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/05/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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. *** (OPEN) 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. COMMENT: 2018-05-14: 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%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95001909

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/27/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/27/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95000476

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $371,115.39 is underdisclosed from calculated Finance Charge of $384,948.21 in the amount of $13,832.82. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/01/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/01/2004. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95001529

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%. *** (OPEN) 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. COMMENT: 2018-05-25: Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95000998

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $387,989.68 is underdisclosed from calculated Finance Charge of $408,018.83 in the amount of $20,029.15. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/16/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/19/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $387,989.68 is underdisclosed from calculated Finance Charge of $408,018.83 in the amount of $20,029.15. COMMENT: 2018-05-15: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95003447

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $486,354.71 is underdisclosed from calculated Finance Charge of $510,119.76 in the amount of $23,765.05. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: The approval indicates an index of 3.6% was used but the lowest index in the look back is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95002353

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/12/2008 used as disbursement date for compliance testing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/12/2008, prior to three (3) business days from transaction date of 03/12/2008. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Loan Application/Commitment Recap indicates the Index used was 4.74%. The closest Index available in our look-back period is 4.79%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2008

Refinance

Primary

XXX

$XXX

95002297

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/20/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/20/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95004287

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $502,764.05 is underdisclosed from calculated Finance Charge of $514,734.96 in the amount of $11,970.91. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/26/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $502,764.05 is underdisclosed from calculated Finance Charge of $514,734.96 in the amount of $11,970.91. COMMENT: 2018-05-16: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95003836

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/16/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/16/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95001866

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

10/XX/2006

Refinance

Primary

XXX

$XXX

95001405

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $310,271.55 is underdisclosed from calculated Finance Charge of $318,495.34 in the amount of $8,223.79. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/06/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/06/2005. - EV2 *** (CLEARED) This High Cost loan contains one or more prohibited practice exceptions - EV1

*** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.06%. The closest Index available in our look-back period is 3.24%

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

1/XX/2006

Refinance

Primary

XXX

$XXX

95004954

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $435,975.58 is underdisclosed from calculated Finance Charge of $437,928.35 in the amount of $1,952.77. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95000847

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $347,133.10 is underdisclosed from calculated Finance Charge of $354,696.27 in the amount of $7,563.17. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/10/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/10/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

MD

8/XX/2005

Refinance

Primary

XXX

$XXX

95000127

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/27/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/25/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

6/XX/2003

Refinance

Primary

XXX

$XXX

95002879

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95001634

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $575,841.59 is underdisclosed from calculated Finance Charge of $607,027.54 in the amount of $31,185.95. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/13/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/13/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $575,841.59 is underdisclosed from calculated Finance Charge of $607,027.54 in the amount of $31,185.95. COMMENT: 2018-05-14: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.

B

B

B

B

B

Yes

Yes

Final HUD1

CT

4/XX/2006

Purchase

Primary

XXX

$XXX

95002833

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $228,732.87 is underdisclosed from calculated Finance Charge of $243,212.04 in the amount of $14,479.17. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/09/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/09/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95002616

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $178,941.56 is underdisclosed from calculated Finance Charge of $180,271.34 in the amount of $1,329.78. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/12/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/12/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The approval indicates the Index used was 1.083%. The closest Index in our look-back period is 1.11833%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2004

Refinance

Primary

XXX

$XXX

95003930

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $665,339.17 is underdisclosed from calculated Finance Charge of $713,235.08 in the amount of $47,895.91. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%. *** (OPEN) 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. COMMENT: 2018-05-14: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95003036

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/07/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/21/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $263,383.24 is underdisclosed from calculated Finance Charge of $280,348.22 in the amount of $16,964.98. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95003525

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/26/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/26/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: It appears underdisclosure is due to the index used; lowest lookback available 3.36% vs 3.140% as shown on approval in file.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

1/XX/2006

Refinance

Primary

XXX

$XXX

95001424

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $199,766.70 is underdisclosed from calculated Finance Charge of $211,199.59 in the amount of $11,432.89. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/17/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/17/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

1/XX/2006

Refinance

Primary

XXX

$XXX

95001404

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2005

Refinance

Primary

XXX

$XXX

95001190

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/20/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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

B

B

B

B

B

Yes

Yes

Final HUD1

FL

11/XX/2005

Refinance

Primary

XXX

$XXX

95004987

XXX

1

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

1

A

A

A

A

A

No

Yes

Final HUD1

FL

12/XX/2007

Refinance

Investment

XXX

$XXX

95004372

XXX

2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $407,946.74 is underdisclosed from calculated Finance Charge of $412,400.95 in the amount of $4,454.21. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/19/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/19/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: Closing instructions indicate the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2006

Refinance

Primary

XXX

$XXX

95004687

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/18/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/06/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

TX

9/XX/2007

Refinance

Primary

XXX

$XXX

95003579

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/23/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/04/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.46%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

2/XX/2006

Refinance

Primary

XXX

$XXX

95003324

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/21/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/30/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $236,076.80 is underdisclosed from calculated Finance Charge of $246,620.72 in the amount of $10,543.92. COMMENT: 2018-05-16: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95003727

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $554,092.06 is underdisclosed from calculated Finance Charge of $568,105.26 in the amount of $14,013.20. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/04/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/04/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $554,092.06 is underdisclosed from calculated Finance Charge of $568,105.26 in the amount of $14,013.20. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95001575

XXX

2

2

*** (OPEN) Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/30/2005. - EV2

*** (OPEN) Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) COMMENT: 2018-05-16: Loan passes High Cost testing when tested as a primary residence *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

No

Yes

Final HUD1

FL

3/XX/2006

Purchase

Second Home

XXX

$XXX

95005100

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2008

Refinance

Primary

XXX

$XXX

95004311

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,243,860.41 is underdisclosed from calculated Finance Charge of $1,255,855.49 in the amount of $11,995.08. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/18/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/02/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,243,860.41 is underdisclosed from calculated Finance Charge of $1,255,855.49 in the amount of $11,995.08. COMMENT: 2018-05-16: Loan Approval indicates the index used was 4.897%. The closest index available in our look-back period is 5.08083%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95001327

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $952,887.10 is underdisclosed from calculated Finance Charge of $972,953.38 in the amount of $20,066.28. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/10/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/10/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $952,887.10 is underdisclosed from calculated Finance Charge of $972,953.38 in the amount of $20,066.28. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95002342

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2008

Refinance

Primary

XXX

$XXX

95003211

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95002697

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $309,458.83 is underdisclosed from calculated Finance Charge of $319,772.00 in the amount of $10,313.17. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/04/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/20/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-14: 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%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

1/XX/2005

Refinance

Primary

XXX

$XXX

95003983

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $410,625.28 is underdisclosed from calculated Finance Charge of $427,792.01 in the amount of $17,166.73. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/25/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/25/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%. *** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2006

Refinance

Primary

XXX

$XXX

95002162

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/22/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/14/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95003252

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95004576

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $700,746.61 is underdisclosed from calculated Finance Charge of $703,207.99 in the amount of $2,461.38. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $700,746.61 is underdisclosed from calculated Finance Charge of $703,207.99 in the amount of $2,461.38. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2007

Refinance

Primary

XXX

$XXX

95000923

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $292,643.47 is underdisclosed from calculated Finance Charge of $304,196.22 in the amount of $11,552.75. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95003456

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/19/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/19/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 3.06%.The closest Index available in our look-back period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95003509

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $109,375.46 is underdisclosed from calculated Finance Charge of $112,415.39 in the amount of $3,039.93. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/02/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/29/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

2/XX/2006

Refinance

Primary

XXX

$XXX

95000274

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/23/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/08/2004. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

TX

4/XX/2004

Purchase

Primary

XXX

$XXX

95003681

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $240,331.43 is underdisclosed from calculated Finance Charge of $252,679.79 in the amount of $12,348.36. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/02/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/02/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $240,331.43 is underdisclosed from calculated Finance Charge of $252,679.79 in the amount of $12,348.36. COMMENT: 2018-05-16: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004337

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $380,983.64 is underdisclosed from calculated Finance Charge of $388,642.65 in the amount of $7,659.01. COMMENT: 2018-05-15: Closing Instructions indicate index value used is 4.997%. Closest index available in the look back period is 5.08083%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95000386

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/14/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/14/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

No

Yes

Final HUD1

NV

7/XX/2004

Purchase

Primary

XXX

$XXX

95002619

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/01/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/01/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 1.85%. The closest Index available in our look-back period is 1.91%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2004

Refinance

Primary

XXX

$XXX

95000703

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%. *** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2005

Refinance

Primary

XXX

$XXX

95001827

XXX

3

3

*** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/09/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/14/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) (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. COMMENT: 2018-05-16: Acknowledgment of the Fair Market Value provided on 10/06/2006 was not provided at closing 10/09/2006.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

10/XX/2006

Refinance

Primary

XXX

$XXX

95002546

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/13/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/08/2004. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

OR

5/XX/2004

Refinance

Primary

XXX

$XXX

95001801

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $503,625.95 is underdisclosed from calculated Finance Charge of $524,582.25 in the amount of $20,956.30. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/18/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/18/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $503,625.95 is underdisclosed from calculated Finance Charge of $524,582.25 in the amount of $20,956.30. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95003353

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $254,884.36 is underdisclosed from calculated Finance Charge of $260,974.94 in the amount of $6,090.58. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/27/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/27/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $254,884.36 is underdisclosed from calculated Finance Charge of $260,974.94 in the amount of $6,090.58. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95003699

XXX

2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

No

Yes

Final HUD1

CA

5/XX/2006

Refinance

Second Home

XXX

$XXX

95002911

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95001131

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $430,628.77 is underdisclosed from calculated Finance Charge of $453,800.71 in the amount of $23,171.94. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $430,628.77 is underdisclosed from calculated Finance Charge of $453,800.71 in the amount of $23,171.94. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95002709

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $382,853.28 is underdisclosed from calculated Finance Charge of $399,764.79 in the amount of $16,911.51. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/18/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/09/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Closing instructions indicate the Index used was 1.277%. The closest index available in our look-back period is 1.355%.

B

B

B

B

B

No

Yes

Final HUD1

CA

11/XX/2004

Purchase

Primary

XXX

$XXX

95002519

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/03/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/22/2004. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2004

Refinance

Primary

XXX

$XXX

95000728

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/08/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/08/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 1.693%. The closest Index in our look back period is 1.83583%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

3/XX/2005

Purchase

Primary

XXX

$XXX

95000245

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/14/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/01/2004. - EV2

B

B

B

B

B

No

Yes

Final HUD1

TX

6/XX/2004

Refinance

Investment

XXX

$XXX

95003673

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/01/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2006. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/29/2006, prior to three (3) business days from transaction date of 03/27/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004449

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/17/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/17/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Application/Commitment Recap indicates the Index used was 5.081%. The closest Index available in our look-back period is 5.15333%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2007

Refinance

Primary

XXX

$XXX

95000281

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $138,224.95 is underdisclosed from calculated Finance Charge of $140,564.07 in the amount of $2,339.12. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/20/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/30/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 1.88%. The lowest Index available within the look-back period is 1.94%.

B

B

B

B

B

No

Yes

Final HUD1

VA

8/XX/2004

Purchase

Primary

XXX

$XXX

95004555

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $338,027.85 is underdisclosed from calculated Finance Charge of $339,363.24 in the amount of $1,335.39. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/17/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/10/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $338,027.85 is underdisclosed from calculated Finance Charge of $339,363.24 in the amount of $1,335.39. COMMENT: 2018-05-15: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

4/XX/2007

Refinance

Primary

XXX

$XXX

95001445

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,445.06 is underdisclosed from calculated Finance Charge of $212,722.15 in the amount of $12,277.09. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.14%. The closest Index available in our look-back period is 3.36%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2006

Refinance

Primary

XXX

$XXX

95002487

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2003

Refinance

Primary

XXX

$XXX

95003993

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $305,530.02 is underdisclosed from calculated Finance Charge of $321,924.46 in the amount of $16,394.44. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Closing instructions indicate the Index used was 3.884%. The lowest Index available within the look-back period is 4.09%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95004199

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/04/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/04/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95002438

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

7/XX/2002

Refinance

Primary

XXX

$XXX

95003502

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/27/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/27/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $287,420.62 is underdisclosed from calculated Finance Charge of $304,341.39 in the amount of $16,920.77. COMMENT: 2018-05-15: Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Refinance

Primary

XXX

$XXX

95004413

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $325,530.16 is underdisclosed from calculated Finance Charge of $332,659.03 in the amount of $7,128.87. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/12/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/12/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

1/XX/2007

Refinance

Primary

XXX

$XXX

95000655

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/20/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/20/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $201,952.19 is underdisclosed from calculated Finance Charge of $209,597.84 in the amount of $7,645.65. COMMENT: 2018-05-15: Approval indicates Index used was 1.693%. The closest Index available in our look-back period is 1.8358%.

B

B

B

B

B

Yes

Yes

Final HUD1

NV

3/XX/2005

Refinance

Primary

XXX

$XXX

95003823

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $268,864.98 is underdisclosed from calculated Finance Charge of $275,622.60 in the amount of $6,757.62. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/13/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/13/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $268,864.98 is underdisclosed from calculated Finance Charge of $275,622.60 in the amount of $6,757.62. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95000844

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/08/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/08/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

9/XX/2005

Refinance

Primary

XXX

$XXX

95002077

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/25/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/25/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2007

Refinance

Primary

XXX

$XXX

95003634

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/12/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

TX

5/XX/2006

Refinance

Primary

XXX

$XXX

95000563

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3

C

C

C

C

C

Yes

Yes

Final HUD1

TX

3/XX/2005

Refinance

Primary

XXX

$XXX

95001905

XXX

2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

11/XX/2006

Refinance

Primary

XXX

$XXX

95000312

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $152,421.14 is underdisclosed from calculated Finance Charge of $160,860.96 in the amount of $8,439.82. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/23/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.28%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

2/XX/2005

Refinance

Primary

XXX

$XXX

95003550

XXX

2

2

*** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/20/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/20/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/17/2006, prior to three (3) business days from transaction date of 02/18/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2006

Refinance

Primary

XXX

$XXX

95000119

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $82,116.17 is underdisclosed from calculated Finance Charge of $82,161.32 in the amount of $45.15. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicate the Index used was 1.194%. The closest Index available in our look-back period is 1.2683%.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

11/XX/2003

Refinance

Primary

XXX

$XXX

95000345

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $226,429.07 is underdisclosed from calculated Finance Charge of $227,793.78 in the amount of $1,364.71. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/15/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/02/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

MO

7/XX/2004

Refinance

Primary

XXX

$XXX

95001992

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $424,129.29 is underdisclosed from calculated Finance Charge of $428,638.31 in the amount of $4,509.02. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $424,129.29 is underdisclosed from calculated Finance Charge of $428,638.31 in the amount of $4,509.02. COMMENT: 2018-05-16: Approval indicates the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

12/XX/2006

Refinance

Primary

XXX

$XXX

95001098

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/26/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/28/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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. *** (OPEN) 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. COMMENT: 2018-05-15: An approval indicates that the lender used an index of 2.7%. The closest Index available in our look-back period is 2.97%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Purchase

Primary

XXX

$XXX

95003237

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $204,732.29 is underdisclosed from calculated Finance Charge of $214,260.48 in the amount of $9,528.19. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/01/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/01/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

KY

10/XX/2005

Refinance

Primary

XXX

$XXX

95005031

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/28/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/23/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

11/XX/2007

Refinance

Primary

XXX

$XXX

95003485

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/13/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

1/XX/2006

Purchase

Primary

XXX

$XXX

95000332

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2

B

B

B

B

B

No

Yes

Final HUD1

FL

6/XX/2004

Purchase

Primary

XXX

$XXX

95004616

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 5.324%. The lowest Index available within the look-back period is 5.3375%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

6/XX/2007

Refinance

Primary

XXX

$XXX

95003273

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/19/2005 used as disbursement date for compliance testing. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $318,628.97 is underdisclosed from calculated Finance Charge of $332,698.65 in the amount of $14,069.68. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/22/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/22/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/19/2005, prior to three (3) business days from transaction date of 10/21/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95004891

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/30/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

VA

10/XX/2007

Refinance

Primary

XXX

$XXX

95001364

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $289,495.30 is underdisclosed from calculated Finance Charge of $303,432.53 in the amount of $13,937.23. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/28/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $289,495.30 is underdisclosed from calculated Finance Charge of $303,432.53 in the amount of $13,937.23. COMMENT: 2018-05-15: Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95002278

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/06/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/25/2007. - EV2

B

B

B

B

B

No

Yes

Final HUD1

FL

12/XX/2007

Refinance

Investment

XXX

$XXX

95002593

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/10/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/03/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2004

Refinance

Primary

XXX

$XXX

95000527

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/08/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/08/2004. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

TX

10/XX/2004

Refinance

Primary

XXX

$XXX

95004246

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $378,860.17 is underdisclosed from calculated Finance Charge of $391,447.45 in the amount of $12,587.28. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/18/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/18/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 4.34%. The closest Index available in our look-back period is 4.60%.

B

B

B

B

B

No

Yes

Final HUD1

FL

10/XX/2006

Purchase

Primary

XXX

$XXX

95003643

XXX

2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/20/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/15/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/24/2006, prior to three (3) business days from transaction date of 03/23/2006. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-30: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95001446

XXX

2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/25/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/25/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%;

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

1/XX/2006

Refinance

Primary

XXX

$XXX

95000911

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/10/2005. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

9/XX/2005

Refinance

Primary

XXX

$XXX

95001568

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/09/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/09/2006. - EV2 *** (OPEN) Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $304,104.85 is underdisclosed from calculated Finance Charge of $320,477.58 in the amount of $16,372.73. COMMENT: 2018-05-25: Loan approval indicates the Index used was 3.360%. The lowest Index available within the look-back period is 3.560%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95002876

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/31/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/21/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Approval indicates the index used was 2.622%. The closest index available in our look-back period is 2.757%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

8/XX/2005

Refinance

Primary

XXX

$XXX

95001796

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $368,923.63 is underdisclosed from calculated Finance Charge of $384,966.11 in the amount of $16,042.48. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/01/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/01/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates the Index used was 3.94%. The closest Index available within the look back period is 4.11%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95002388

XXX

3

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $365,936.87 is underdisclosed from calculated Finance Charge of $374,207.43 in the amount of $8,270.56. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/27/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/27/2008. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

FL

4/XX/2008

Refinance

Primary

XXX

$XXX

95003963

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95001482

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $464,229.95 is underdisclosed from calculated Finance Charge of $478,886.09 in the amount of $14,656.14. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/23/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/23/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.36%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Purchase

Primary

XXX

$XXX

95002080

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/13/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/21/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95003312

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $424,726.94 is underdisclosed from calculated Finance Charge of $444,901.94 in the amount of $20,175.00. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/13/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $424,726.94 is underdisclosed from calculated Finance Charge of $444,901.94 in the amount of $20,175.00. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95002782

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/28/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2005

Refinance

Primary

XXX

$XXX

95003866

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/10/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/10/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95005051

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/16/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/16/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

UT

12/XX/2007

Refinance

Primary

XXX

$XXX

95000174

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $296,829.13 is underdisclosed from calculated Finance Charge of $308,164.36 in the amount of $11,335.23. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 1.563%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95002777

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $253,403.97 is underdisclosed from calculated Finance Charge of $265,746.33 in the amount of $12,342.36. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/27/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/15/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Approval indicates the index used was 2.02%. The closest index available in our look-back period is 2.19%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2005

Purchase

Primary

XXX

$XXX

95004226

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/26/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $538,268.69 is underdisclosed from calculated Finance Charge of $538,460.03 in the amount of $191.34. COMMENT: 2018-05-15: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2006

Refinance

Primary

XXX

$XXX

95004539

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/27/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/27/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2007

Refinance

Primary

XXX

$XXX

95002054

XXX

2

2

*** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/22/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/22/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2007

Refinance

Primary

XXX

$XXX

95004281

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 12/12/2006, prior to three (3) business days from transaction date of 12/12/2006 - EV3 *** (OPEN) (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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/12/2006, prior to three (3) business days from transaction date of 12/12/2006. - EV2

*** (OPEN) (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. COMMENT: 2018-05-16: The notary date is after the AFMV signature date.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

11/XX/2006

Refinance

Primary

XXX

$XXX

95003174

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $416,138.28 is underdisclosed from calculated Finance Charge of $438,578.60 in the amount of $22,440.32. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/02/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/02/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

9/XX/2005

Refinance

Primary

XXX

$XXX

95005053

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/14/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/14/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

IL

12/XX/2007

Refinance

Primary

XXX

$XXX

95001599

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $493,595.36 is underdisclosed from calculated Finance Charge of $507,040.65 in the amount of $13,445.29. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/07/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/07/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95004146

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

10/XX/2006

Refinance

Primary

XXX

$XXX

95000842

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/24/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/24/2004. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-16: 5% late charge exceeds 2% maximum per state (NY).

B

B

B

B

B

Yes

Yes

Final HUD1

NY

6/XX/2005

Refinance

Primary

XXX

$XXX

95001360

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/22/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/22/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $475,555.61 is underdisclosed from calculated Finance Charge of $485,369.04 in the amount of $9,813.43. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95002221

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $715,428.81 is underdisclosed from calculated Finance Charge of $720,136.29 in the amount of $4,707.48. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/05/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/05/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $715,428.81 is underdisclosed from calculated Finance Charge of $720,136.29 in the amount of $4,707.48. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95004036

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $660,483.55 is underdisclosed from calculated Finance Charge of $675,596.33 in the amount of $15,112.78. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/13/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/20/2006. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%. *** (OPEN) 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. COMMENT: 2018-05-29: Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

9/XX/2006

Refinance

Primary

XXX

$XXX

95005039

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/24/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/20/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95000882

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $458,890.62 is underdisclosed from calculated Finance Charge of $485,008.20 in the amount of $26,117.58. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/16/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/16/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833% *** (OPEN) 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. COMMENT: 2018-05-16: Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%

B

B

B

B

B

Yes

Yes

Final HUD1

VA

8/XX/2005

Refinance

Primary

XXX

$XXX

95003671

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $389,891.80 is underdisclosed from calculated Finance Charge of $410,270.82 in the amount of $20,379.02. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/01/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Approval indicates the index used was 3.36%. The closest index available in our look-back period is 3.56%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95000797

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/03/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/03/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95001977

XXX

2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/12/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/12/2006. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-17: PPP Expired. Prepayment charge not allowed per state (NY)-max prepayment for NY is 12 months-note states 36 months. *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-16: 5% late charge exceeds 2% maximum per state of NY.

B

B

B

B

B

Yes

Yes

Final HUD1

NY

12/XX/2006

Refinance

Primary

XXX

$XXX

95000769

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/12/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/12/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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. *** (OPEN) 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. COMMENT: 2018-05-15: An approval states that the lender used an index of 2.163%. The closest index in the look-back period is 2.49167%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95000946

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $315,433.44 is underdisclosed from calculated Finance Charge of $333,506.24 in the amount of $18,072.80. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/07/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/07/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $315,433.44 is underdisclosed from calculated Finance Charge of $333,506.24 in the amount of $18,072.80. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95000708

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/26/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

IL

3/XX/2005

Purchase

Primary

XXX

$XXX

95004248

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/01/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/01/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004579

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/03/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/03/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2007

Refinance

Primary

XXX

$XXX

95000092

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/21/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/21/2012. - EV2 *** (OPEN) RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2013

Refinance

Primary

XXX

$XXX

95002246

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/30/2007. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

10/XX/2007

Refinance

Primary

XXX

$XXX

95005153

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/19/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/19/2008. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2008

Refinance

Primary

XXX

$XXX

95002523

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/20/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/20/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2004

Refinance

Primary

XXX

$XXX

95001630

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-30: Appraisal not provided

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/28/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2006

Purchase

Primary

XXX

$XXX

95001819

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided.

2

*** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%. *** (OPEN) 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. COMMENT: 2018-05-17: Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95003705

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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 *** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CT

5/XX/2006

Refinance

Primary

XXX

$XXX

95002675

XXX

2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2004

Refinance

Primary

XXX

$XXX

95000327

XXX

2

2

*** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2004

Refinance

Primary

XXX

$XXX

95002188

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/24/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/15/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

9/XX/2007

Refinance

Primary

XXX

$XXX

95003225

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $437,460.87 is underdisclosed from calculated Finance Charge of $458,750.13 in the amount of $21,289.26. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/28/2005. - EV2 *** (OPEN) Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95004286

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/11/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/11/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/14/2006, prior to three (3) business days from transaction date of 11/11/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95005161

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/05/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/05/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2008

Refinance

Primary

XXX

$XXX

95000104

XXX

1

*** (OPEN) Missing Document: Missing Final 1003 - EV2

1

A

A

A

A

A

Yes

Yes

Final HUD1

CO

12/XX/2001

Refinance

Primary

XXX

$XXX

95002284

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/26/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/04/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

IL

11/XX/2007

Refinance

Primary

XXX

$XXX

95003697

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/23/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/23/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

3/XX/2006

Refinance

Investment

XXX

$XXX

95000260

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

7/XX/2004

Refinance

Primary

XXX

$XXX

95000838

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95003510

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/03/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/03/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $556,712.82 is underdisclosed from calculated Finance Charge of $590,236.76 in the amount of $33,523.94. COMMENT: 2018-05-17: Loan Application/Commitment Recap indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Refinance

Primary

XXX

$XXX

95004385

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/14/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NV

1/XX/2007

Refinance

Primary

XXX

$XXX

95001558

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/14/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/14/2005. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-30: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95001216

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $365,096.20 is underdisclosed from calculated Finance Charge of $381,956.60 in the amount of $16,860.40. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/28/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

FL

11/XX/2005

Refinance

Primary

XXX

$XXX

95001560

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/01/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2006. - EV2

*** (OPEN) (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. COMMENT: 2018-05-15: The notary date is after the AFMV signature date.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

3/XX/2006

Refinance

Primary

XXX

$XXX

95003026

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $459,437.63 is underdisclosed from calculated Finance Charge of $475,781.17 in the amount of $16,343.54. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/20/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/20/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $459,437.63 is underdisclosed from calculated Finance Charge of $475,781.17 in the amount of $16,343.54. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95003477

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/26/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/02/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

MA

1/XX/2006

Refinance

Investment

XXX

$XXX

95001300

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/19/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/19/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95001678

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $501,725.76 is underdisclosed from calculated Finance Charge of $518,991.99 in the amount of $17,266.23. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/16/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/16/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $501,725.76 is underdisclosed from calculated Finance Charge of $518,991.99 in the amount of $17,266.23. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.79%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95003543

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $433,737.73 is underdisclosed from calculated Finance Charge of $447,224.26 in the amount of $13,486.53. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/10/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Approvals indicate the Index used was 3.24%. The closest Index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2006

Refinance

Primary

XXX

$XXX

95000095

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

No

Yes

Final HUD1

IL

9/XX/1993

Purchase

Primary

XXX

$XXX

95001512

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/26/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Purchase

Primary

XXX

$XXX

95002097

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/13/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2007. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2007

Refinance

Primary

XXX

$XXX

95003985

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $921,508.52 is underdisclosed from calculated Finance Charge of $960,186.54 in the amount of $38,678.02. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/28/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

7/XX/2006

Refinance

Primary

XXX

$XXX

95004044

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $745,579.11 is underdisclosed from calculated Finance Charge of $755,822.33 in the amount of $10,243.22. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/09/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/09/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Closing instructions indicate the Index used was 4.483%. The lowest Index available within the look-back period is 4.64.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95004197

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $481,439.80 is underdisclosed from calculated Finance Charge of $489,833.15 in the amount of $8,393.35. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/23/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/14/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2006

Refinance

Primary

XXX

$XXX

95000557

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $295,106.46 is underdisclosed from calculated Finance Charge of $306,209.50 in the amount of $11,103.04. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/29/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/20/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-15: Loan Application/Commitment Recap indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2004

Refinance

Primary

XXX

$XXX

95004584

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/02/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/26/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

5/XX/2007

Refinance

Primary

XXX

$XXX

95003868

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $696,371.63 is underdisclosed from calculated Finance Charge of $738,941.70 in the amount of $42,570.07. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/22/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Approval indicates the Index used was 3.56%. The closest Index available in our look-back period is 3.79%;

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95004819

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/10/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/10/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95004236

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/18/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/18/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95002527

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95002451

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2003

Refinance

Primary

XXX

$XXX

95000100

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

9/XX/2000

Refinance

Primary

XXX

$XXX

95002965

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/19/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/19/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $318,540.68 is underdisclosed from calculated Finance Charge of $327,972.98 in the amount of $9,432.30. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95002815

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $396,669.65 is underdisclosed from calculated Finance Charge of $420,312.26 in the amount of $23,642.61. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/03/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/14/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Approval indicate the Index used was 2.28%. The closest Index available in our look-back period is 2.52%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

5/XX/2005

Purchase

Primary

XXX

$XXX

95004607

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2007

Refinance

Primary

XXX

$XXX

95001713

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/30/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/30/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94%. *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

No

Yes

Final HUD1

MN

6/XX/2006

Purchase

Primary

XXX

$XXX

95002721

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $276,707.59 is underdisclosed from calculated Finance Charge of $284,015.16 in the amount of $7,307.57. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $276,707.59 is underdisclosed from calculated Finance Charge of $284,015.16 in the amount of $7,307.57. COMMENT: 2018-05-16: Closing instructions indicate the Index used was 1.45%. The lowest Index available within the look-back period is 1.56333%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2005

Refinance

Primary

XXX

$XXX

95000896

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $352,932.43 is underdisclosed from calculated Finance Charge of $388,710.93 in the amount of $35,778.50. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/01/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/25/2005. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167% *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167%

B

B

B

B

B

Yes

Yes

Final HUD1

VA

7/XX/2005

Refinance

Primary

XXX

$XXX

95004974

XXX

3

3

*** (OPEN) Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV3 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/03/2008 used as disbursement date for compliance testing. - EV2 *** (OPEN) Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/03/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/12/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. - EV2

D

D

D

D

D

Yes

No

Missing

CA

1/XX/2008

Refinance

Primary

XXX

$XXX

95000330

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/28/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95000564

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,413.59 is underdisclosed from calculated Finance Charge of $205,150.42 in the amount of $4,736.83. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/07/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/07/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2004

Refinance

Primary

XXX

$XXX

95003188

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $655,046.74 is underdisclosed from calculated Finance Charge of $664,201.53 in the amount of $9,154.79. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/22/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/22/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $655,046.74 is underdisclosed from calculated Finance Charge of $664,201.53 in the amount of $9,154.79. COMMENT: 2018-05-17: Approval indicates the Index used was 2.89%. The lowest Index available within the look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95002183

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/14/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/14/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95003607

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/02/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/02/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95004256

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/17/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

11/XX/2006

Refinance

Primary

XXX

$XXX

95001680

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/22/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/22/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2006

Purchase

Primary

XXX

$XXX

95003115

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $404,042.28 is underdisclosed from calculated Finance Charge of $525,945.64 in the amount of $121,903.36. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/14/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/14/2005. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78% *** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95004943

XXX

2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95003716

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/27/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/27/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2006

Refinance

Primary

XXX

$XXX

95002181

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $778,387.90 is underdisclosed from calculated Finance Charge of $842,074.59 in the amount of $63,686.69. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/26/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/14/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Approval indicates the index used was 4.85%. The closest index available in our look-back period is 5.333%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95003060

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $395,171.40 is underdisclosed from calculated Finance Charge of $404,955.22 in the amount of $9,783.82. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/18/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $395,171.40 is underdisclosed from calculated Finance Charge of $404,955.22 in the amount of $9,783.82. COMMENT: 2018-05-16: 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

B

B

B

B

B

No

Yes

Final HUD1

CA

6/XX/2005

Purchase

Primary

XXX

$XXX

95002794

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $468,409.22 is underdisclosed from calculated Finance Charge of $482,919.64 in the amount of $14,510.42. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/15/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/15/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95001610

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $684,434.32 is underdisclosed from calculated Finance Charge of $731,540.11 in the amount of $47,105.79. COMMENT: 2018-05-16: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95004732

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/11/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/07/2007. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,010,551.50 is underdisclosed from calculated Finance Charge of $1,011,428.08 in the amount of $876.58. COMMENT: 2018-05-16: 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 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-16: 5% late charge exceeds 2% maximum per state (NY)

B

B

B

B

B

No

Yes

Final HUD1

NY

10/XX/2007

Purchase

Primary

XXX

$XXX

95004890

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95004904

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $569,828.74 is underdisclosed from calculated Finance Charge of $571,726.11 in the amount of $1,897.37. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95001919

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/02/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/23/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004640

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/09/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/09/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2007

Refinance

Primary

XXX

$XXX

95004735

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $992,331.12 is underdisclosed from calculated Finance Charge of $994,198.04 in the amount of $1,866.92. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/08/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/08/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 5.324%. The closest Index available in our lookback period is 5.333%

B

B

B

B

B

Yes

Yes

Final HUD1

MD

9/XX/2007

Refinance

Primary

XXX

$XXX

95004195

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $616,477.99 is underdisclosed from calculated Finance Charge of $638,738.41 in the amount of $22,260.42. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/30/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $616,477.99 is underdisclosed from calculated Finance Charge of $638,738.41 in the amount of $22,260.42. COMMENT: 2018-05-16: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2006

Refinance

Primary

XXX

$XXX

95004232

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $644,219.13 is underdisclosed from calculated Finance Charge of $664,261.84 in the amount of $20,042.71. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/03/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/03/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95000962

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $376,134.51 is underdisclosed from calculated Finance Charge of $394,552.70 in the amount of $18,418.19. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/13/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $376,134.51 is underdisclosed from calculated Finance Charge of $394,552.70 in the amount of $18,418.19. COMMENT: 2018-05-16: Approval reflects index of 1.996%. Closest index available in our look-back period is 2.16333%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95003082

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $443,309.34 is underdisclosed from calculated Finance Charge of $465,676.00 in the amount of $22,366.66. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/27/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/27/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95000232

XXX

1

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

1

A

A

A

A

A

No

Yes

Final HUD1

CA

1/XX/2004

Purchase

Investment

XXX

$XXX

95000970

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/18/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/27/2005, prior to three (3) business days from transaction date of 04/27/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95004076

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/16/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/16/2006. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

8/XX/2006

Purchase

Primary

XXX

$XXX

95000370

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/16/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/16/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

6/XX/2004

Purchase

Primary

XXX

$XXX

95001296

XXX

3

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/08/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/08/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $605,420.92 is underdisclosed from calculated Finance Charge of $633,218.14 in the amount of $27,797.22. COMMENT: 2018-05-16: 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

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95004035

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/28/2006. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95004898

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/31/2007 used as disbursement date for compliance testing. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $838,215.57 is underdisclosed from calculated Finance Charge of $840,426.31 in the amount of $2,210.74. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/30/2007. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/31/2007, prior to three (3) business days from transaction date of 10/31/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95005063

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/18/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/05/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95000878

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $439,952.15 is underdisclosed from calculated Finance Charge of $481,811.80 in the amount of $41,859.65. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/09/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/03/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%. *** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%.

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

8/XX/2005

Refinance

Primary

XXX

$XXX

95004614

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/21/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/21/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

WA

6/XX/2007

Refinance

Primary

XXX

$XXX

95002133

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $838,578.34 is underdisclosed from calculated Finance Charge of $842,423.74 in the amount of $3,845.40. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/04/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $838,578.34 is underdisclosed from calculated Finance Charge of $842,423.74 in the amount of $3,845.40. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Purchase

Primary

XXX

$XXX

95004703

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/18/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/18/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95000318

XXX

1

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

1

A

A

A

A

A

Yes

Yes

Final HUD1

CA

6/XX/2004

Refinance

Primary

XXX

$XXX

95000101

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/19/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/19/2000. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

No

Yes

Final HUD1

TX

11/XX/2000

Construction-Permanent

Primary

XXX

$XXX

95003562

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $627,894.95 is underdisclosed from calculated Finance Charge of $664,901.73 in the amount of $37,006.78. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/24/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $627,894.95 is underdisclosed from calculated Finance Charge of $664,901.73 in the amount of $37,006.78. COMMENT: 2018-05-16: Closing approval indicates the index used at origination was 3.24%, however the lowest index available within the look-back period is 3.46%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95005034

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/06/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/01/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95002725

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/17/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/17/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

11/XX/2004

Refinance

Primary

XXX

$XXX

95001981

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $854,965.64 is underdisclosed from calculated Finance Charge of $868,746.98 in the amount of $13,781.34. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/09/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/09/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 5.08083%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95003345

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $535,310.72 is underdisclosed from calculated Finance Charge of $560,099.34 in the amount of $24,788.62. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/30/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/17/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $535,310.72 is underdisclosed from calculated Finance Charge of $560,099.34 in the amount of $24,788.62. COMMENT: 2018-05-16: Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95000236

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/17/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/05/2003. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

2/XX/2004

Refinance

Primary

XXX

$XXX

95002223

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/02/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/02/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95002818

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/17/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/17/2005. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

10/XX/2005

Refinance

Primary

XXX

$XXX

95004701

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $831,644.36 is underdisclosed from calculated Finance Charge of $833,288.57 in the amount of $1,644.21. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/03/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/06/2007. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-16: 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. *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95002977

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $455,854.27 is underdisclosed from calculated Finance Charge of $473,898.91 in the amount of $18,044.64. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/18/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/18/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/24/2005, prior to three (3) business days from transaction date of 03/21/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Approval indicates the Index used was 1.693%. The closest Index available in our look-back period is 1.83583%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

3/XX/2005

Refinance

Primary

XXX

$XXX

95003014

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/03/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/03/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

4/XX/2005

Refinance

Investment

XXX

$XXX

95003461

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $393,343.55 is underdisclosed from calculated Finance Charge of $412,265.40 in the amount of $18,921.85. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/12/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/12/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%.

B

B

B

B

B

No

Yes

Final HUD1

WA

12/XX/2005

Purchase

Primary

XXX

$XXX

95005019

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/30/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2007

Refinance

Primary

XXX

$XXX

95005069

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/04/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/03/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2008

Refinance

Primary

XXX

$XXX

95000956

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $491,996.87 is underdisclosed from calculated Finance Charge of $514,139.41 in the amount of $22,142.54. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/18/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/18/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 1.836%. The closest Index available in our lookback period is 1.99583%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95002674

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $253,801.84 is underdisclosed from calculated Finance Charge of $258,336.23 in the amount of $4,534.39. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/09/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/09/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2004

Refinance

Primary

XXX

$XXX

95000788

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $419,326.17 is underdisclosed from calculated Finance Charge of $448,607.60 in the amount of $29,281.43. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/12/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/04/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $419,326.17 is underdisclosed from calculated Finance Charge of $448,607.60 in the amount of $29,281.43. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95000129

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/20/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/20/2003. - EV2 *** (CLEARED) (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. - EV1 *** (CLEARED) This High Cost loan contains one or more prohibited practice exceptions - EV1

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2003

Refinance

Primary

XXX

$XXX

95004899

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95000542

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/17/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/15/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2004

Refinance

Primary

XXX

$XXX

95000966

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $477,901.16 is underdisclosed from calculated Finance Charge of $523,629.59 in the amount of $45,728.43. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/24/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/24/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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%. *** (OPEN) 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. COMMENT: 2018-05-16: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95004335

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,314,811.54 is underdisclosed from calculated Finance Charge of $1,335,973.55 in the amount of $21,162.01. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/21/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/21/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,314,811.54 is underdisclosed from calculated Finance Charge of $1,335,973.55 in the amount of $21,162.01. COMMENT: 2018-05-17: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.65%, approval states index is 4.49%

B

B

B

B

B

Yes

Yes

Final HUD1

VA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004601

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/03/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/03/2007. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/05/2007, prior to three (3) business days from transaction date of 06/01/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2007

Refinance

Primary

XXX

$XXX

95001910

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-25: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $823,206.85 is underdisclosed from calculated Finance Charge of $934,800.00 in the amount of $111,593.15. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/11/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/11/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-30: Bi weekly

B

B

B

B

B

Yes

Yes

Final HUD1

MA

10/XX/2006

Refinance

Primary

XXX

$XXX

95002091

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/05/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/05/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2007

Refinance

Primary

XXX

$XXX

95003793

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95003109

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95003496

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/16/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/16/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Refinance

Primary

XXX

$XXX

95002230

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/09/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/09/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95002136

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/14/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/14/2007. - EV2

B

B

B

B

B

No

Yes

Final HUD1

DE

9/XX/2007

Purchase

Primary

XXX

$XXX

95002484

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/26/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/28/2003. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2003

Refinance

Primary

XXX

$XXX

95003608

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/18/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/26/2006. - EV2

D

D

D

D

D

No

Yes

HUD1, not signed or stamped

CA

3/XX/2006

Refinance

Investment

XXX

$XXX

95001499

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

No

Yes

Final HUD1

CA

3/XX/2006

Purchase

Primary

XXX

$XXX

95002778

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $388,836.15 is underdisclosed from calculated Finance Charge of $408,014.43 in the amount of $19,178.28. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/13/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/04/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Application/Commitment Recap indicates the Index used was 1.693%. The closest Index available in our look-back period is 2.33167%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2005

Refinance

Primary

XXX

$XXX

95003199

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%; *** (OPEN) 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. COMMENT: 2018-05-16: Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95004818

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicate the Index used was 4.85%. The closest Index available in our look back period is 4.9%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95002461

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/29/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/29/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2003

Refinance

Primary

XXX

$XXX

95001723

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/24/2006. - EV2 *** (OPEN) Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/13/2006, prior to three (3) business days from transaction date of 07/10/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%. *** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

7/XX/2006

Refinance

Primary

XXX

$XXX

95002079

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/14/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/13/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2007

Refinance

Primary

XXX

$XXX

95000064

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/28/2012. - EV2 *** (OPEN) RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2013

Refinance

Primary

XXX

$XXX

95002624

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/15/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/15/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates 1.212% the closest index available during look back period was 1.27667%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2004

Refinance

Primary

XXX

$XXX

95002501

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/21/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/15/2003. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2003

Purchase

Primary

XXX

$XXX

95001783

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/11/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/06/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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 *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95001617

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $675,581.06 is underdisclosed from calculated Finance Charge of $711,127.15 in the amount of $35,546.09. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/03/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/03/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95004868

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/23/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/17/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%

B

B

B

B

B

Yes

Yes

Final HUD1

FL

10/XX/2007

Refinance

Primary

XXX

$XXX

95005047

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/28/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/28/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2007

Refinance

Primary

XXX

$XXX

95003948

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $62,389.75 is underdisclosed from calculated Finance Charge of $62,438.70 in the amount of $48.95. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/05/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

7/XX/2006

Refinance

Primary

XXX

$XXX

95003444

XXX

3

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Unable to determine if the file contains a disclosure summary of all material terms due to missing information. - EV3

C

C

C

C

C

Yes

Yes

Final HUD1

TX

1/XX/2006

Refinance

Primary

XXX

$XXX

95001860

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/07/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/07/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

9/XX/2006

Refinance

Primary

XXX

$XXX

95001537

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/22/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/09/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95003257

XXX

2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/27/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/27/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CT

10/XX/2005

Refinance

Primary

XXX

$XXX

95001612

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/24/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $293,175.90 is underdisclosed from calculated Finance Charge of $307,729.89 in the amount of $14,553.99. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

VA

5/XX/2006

Refinance

Primary

XXX

$XXX

95003875

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $239,714.75 is underdisclosed from calculated Finance Charge of $247,728.09 in the amount of $8,013.34. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/23/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/23/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $239,714.75 is underdisclosed from calculated Finance Charge of $247,728.09 in the amount of $8,013.34. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95003631

XXX

2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/02/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/02/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

3/XX/2006

Refinance

Primary

XXX

$XXX

95002602

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/22/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/22/2004. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

7/XX/2004

Refinance

Primary

XXX

$XXX

95003209

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $174,576.57 is underdisclosed from calculated Finance Charge of $183,686.62 in the amount of $9,110.05. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/07/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/07/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 2.78%. The closes Index available in our look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95003443

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

12/XX/2005

Refinance

Primary

XXX

$XXX

95004922

XXX

3

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

3

*** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/26/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/26/2007. - EV2

*** (OPEN) (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. COMMENT: 2018-05-16: The notary date is after the AFMV signature date.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

10/XX/2007

Refinance

Primary

XXX

$XXX

95002929

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,162.51 is underdisclosed from calculated Finance Charge of $210,331.75 in the amount of $10,169.24. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/08/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/08/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan commitment indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

9/XX/2005

Refinance

Primary

XXX

$XXX

95003898

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $334,866.93 is underdisclosed from calculated Finance Charge of $373,035.41 in the amount of $38,168.48. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/20/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/20/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Lender used an index value of 3.66%. Closest in the look back period is 4.11%. *** (OPEN) 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. COMMENT: 2018-05-17: Lender used an index value of 3.66%. Closest in the look back period is 4.11%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

7/XX/2006

Refinance

Primary

XXX

$XXX

95001233

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/08/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/08/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $224,133.60 is underdisclosed from calculated Finance Charge of $228,878.39 in the amount of $4,744.79. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

VA

12/XX/2005

Refinance

Primary

XXX

$XXX

95001310

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $212,857.41 is underdisclosed from calculated Finance Charge of $222,729.18 in the amount of $9,871.77. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/31/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/31/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $212,857.41 is underdisclosed from calculated Finance Charge of $222,729.18 in the amount of $9,871.77. COMMENT: 2018-05-17: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%;

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95001734

XXX

3

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

3

*** (OPEN) (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. - EV3 *** (OPEN) (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). - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2

*** (OPEN) (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. COMMENT: 2018-06-08: Acknowledgment of the Fair Market Value was provided 7/25/2006. *** (OPEN) (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). COMMENT: 2018-06-08: The loan file contains 2 desk reviews from the same reviewer, dated 06/26/2006 and 06/29/2006. 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.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

7/XX/2006

Refinance

Primary

XXX

$XXX

95000206

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (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. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) (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. COMMENT: 2018-05-17: Utilized HUD

C

C

C

C

C

Yes

Yes

Final HUD1

TX

1/XX/2004

Refinance

Primary

XXX

$XXX

95001635

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/28/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

4/XX/2006

Refinance

Primary

XXX

$XXX

95002656

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/20/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/20/2004. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

11/XX/2004

Refinance

Investment

XXX

$XXX

95001196

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $259,028.82 is underdisclosed from calculated Finance Charge of $264,697.66 in the amount of $5,668.84. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/13/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/13/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

IL

10/XX/2005

Refinance

Primary

XXX

$XXX

95003125

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/19/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2005. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/24/2005, prior to three (3) business days from transaction date of 09/18/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.7%. The closest Index available in our look-back period is 2.89%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

8/XX/2005

Refinance

Primary

XXX

$XXX

95002902

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $212,244.90 is underdisclosed from calculated Finance Charge of $222,470.85 in the amount of $10,225.95. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

OH

8/XX/2005

Refinance

Primary

XXX

$XXX

95000164

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/03/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/03/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

GA

3/XX/2004

Purchase

Primary

XXX

$XXX

95000628

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $212,590.95 is underdisclosed from calculated Finance Charge of $220,541.22 in the amount of $7,950.27. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/14/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/30/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%.

B

B

B

B

B

No

Yes

Final HUD1

CA

2/XX/2005

Refinance

Second Home

XXX

$XXX

95001664

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/13/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/26/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95002068

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $517,007.13 is underdisclosed from calculated Finance Charge of $518,796.93 in the amount of $1,789.80. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/11/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/11/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: The approval index is 4.75% and the lowest lookback index is 4.77%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2007

Refinance

Primary

XXX

$XXX

95002440

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42.1 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.) - EV2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

9/XX/2002

Refinance

Primary

XXX

$XXX

95003838

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95002283

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/16/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/16/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2007

Refinance

Primary

XXX

$XXX

95005133

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/25/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/25/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2008

Refinance

Primary

XXX

$XXX

95004409

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/09/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/09/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

12/XX/2006

Refinance

Primary

XXX

$XXX

95004062

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-29: Appraisal not provided.

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/25/2006 used as disbursement date for compliance testing. - EV2 *** (OPEN) Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/25/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/25/2006. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/25/2006, prior to three (3) business days from transaction date of 08/25/2006. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-29: 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 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95003901

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/13/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/13/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

6/XX/2006

Refinance

Primary

XXX

$XXX

95004103

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-16: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/27/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/24/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2006

Refinance

Primary

XXX

$XXX

95004635

XXX

3

3

*** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

RI

7/XX/2007

Refinance

Primary

XXX

$XXX

95001307

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/06/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/05/2005. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%. *** (OPEN) 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. COMMENT: 2018-05-17: Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2005

Refinance

Primary

XXX

$XXX

95001773

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/11/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/11/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2006

Refinance

Primary

XXX

$XXX

95003186

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/05/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/02/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%. *** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%.

B

B

B

B

B

No

Yes

Final HUD1

NV

10/XX/2005

Refinance

Second Home

XXX

$XXX

95001835

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $620,506.99 is underdisclosed from calculated Finance Charge of $651,698.36 in the amount of $31,191.37. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/23/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/23/2006. - EV2 *** (OPEN) Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/12/2006, prior to three (3) business days from transaction date of 10/05/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. *** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

10/XX/2006

Refinance

Primary

XXX

$XXX

95000133

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/09/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/18/2003. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2003

Refinance

Primary

XXX

$XXX

95003234

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95003449

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $402,601.54 is underdisclosed from calculated Finance Charge of $421,873.09 in the amount of $19,271.55. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/06/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/06/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 3.06%. The closest Index available in our lookback period is 3.24%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95001003

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/15/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/15/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95001270

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $367,193.19 is underdisclosed from calculated Finance Charge of $384,063.72 in the amount of $16,870.53. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/17/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/17/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/16/2005, prior to three (3) business days from transaction date of 11/17/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-16: Loan was approved using index 2.970 per note the most recent index available is 3.140, resulting in the under disclosure

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95001731

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $410,255.09 is underdisclosed from calculated Finance Charge of $425,856.56 in the amount of $15,601.47. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/28/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2006

Refinance

Primary

XXX

$XXX

95004593

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $462,797.92 is underdisclosed from calculated Finance Charge of $463,033.52 in the amount of $235.60. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/02/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/08/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.92%. The lowest Index available within the look-back period is 4.94%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2007

Refinance

Primary

XXX

$XXX

95002949

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,850.48 is underdisclosed from calculated Finance Charge of $234,961.03 in the amount of $2,110.55. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/11/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/11/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,850.48 is underdisclosed from calculated Finance Charge of $234,961.03 in the amount of $2,110.55. COMMENT: 2018-05-18: Approval indicates the Index used was 1.97%. The closest Index available in our look-back period is 2.00%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2004

Refinance

Primary

XXX

$XXX

95002514

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/20/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/20/2004. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2004

Refinance

Primary

XXX

$XXX

95001061

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/29/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/28/2005. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

8/XX/2005

Refinance

Investment

XXX

$XXX

95004228

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $544,599.58 is underdisclosed from calculated Finance Charge of $544,766.88 in the amount of $167.30. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/10/2006. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/15/2006, prior to three (3) business days from transaction date of 11/10/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Unable to determine under disclosure due to missing itemization of amount financed.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004506

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2007

Refinance

Primary

XXX

$XXX

95003197

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95004695

XXX

3

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $741,259.02 is underdisclosed from calculated Finance Charge of $744,989.90 in the amount of $3,730.88. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/04/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/06/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

D

D

D

D

D

Yes

Yes

Estimated HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95001614

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2006

Refinance

Primary

XXX

$XXX

95001254

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $383,334.07 is underdisclosed from calculated Finance Charge of $392,416.59 in the amount of $9,082.52. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95002298

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $535,968.69 is underdisclosed from calculated Finance Charge of $536,405.60 in the amount of $436.91. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/04/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/04/2007. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $535,968.69 is underdisclosed from calculated Finance Charge of $536,405.60 in the amount of $436.91. COMMENT: 2018-05-18: 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 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-17: 5% late charge exceeds 2% maximum per state (NY)

B

B

B

B

B

Yes

Yes

Final HUD1

NY

12/XX/2007

Refinance

Primary

XXX

$XXX

95005004

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/21/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/21/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2007

Refinance

Primary

XXX

$XXX

95000801

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. - EV3 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $180,432.85 is underdisclosed from calculated Finance Charge of $183,620.12 in the amount of $3,187.27. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

6/XX/2005

Refinance

Primary

XXX

$XXX

95003649

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/21/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/16/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2006

Refinance

Primary

XXX

$XXX

95001488

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $461,487.32 is underdisclosed from calculated Finance Charge of $471,762.00 in the amount of $10,274.68. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.46%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95002261

XXX

3

3

*** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/18/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/18/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Rhode Island Home Loan Disclosure is dated 10/26/2007, missing lender' s initial application to verify timing requirements.

C

C

C

C

C

Yes

Yes

Final HUD1

RI

10/XX/2007

Refinance

Primary

XXX

$XXX

95002621

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,829.01 is underdisclosed from calculated Finance Charge of $235,574.10 in the amount of $2,745.09. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/13/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,829.01 is underdisclosed from calculated Finance Charge of $235,574.10 in the amount of $2,745.09. COMMENT: 2018-05-18: The approval indicates the Index used was 1.118%. The closest Index available within the look back period is 1.16167%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2004

Refinance

Primary

XXX

$XXX

95003194

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/22/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/22/2005. - EV2

D

D

D

D

D

No

Yes

HUD1, not signed or stamped

CA

9/XX/2005

Refinance

Investment

XXX

$XXX

95000872

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/24/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/24/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $506,498.65 is underdisclosed from calculated Finance Charge of $530,778.84 in the amount of $24,280.19. COMMENT: 2018-05-17: The Loan Approval indicates the Index used was 2.61%. The closest Index available in our look-back period is 2.78%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95000751

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $230,101.35 is underdisclosed from calculated Finance Charge of $243,389.20 in the amount of $13,287.85. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/02/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/02/2005. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/04/2005, prior to three (3) business days from transaction date of 03/31/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval letter indicates the Index used was 2.19%. The closest Index available in our look-back period is 2.39%

B

B

B

B

B

Yes

Yes

Final HUD1

FL

3/XX/2005

Refinance

Primary

XXX

$XXX

95001069

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/26/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/16/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

No

Yes

Final HUD1

VA

8/XX/2005

Purchase

Primary

XXX

$XXX

95003417

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $594,440.42 is underdisclosed from calculated Finance Charge of $613,099.76 in the amount of $18,659.34. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/07/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/28/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Purchase

Primary

XXX

$XXX

95000074

XXX

2

2

*** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2013

Refinance

Primary

XXX

$XXX

95003484

XXX

2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $480,140.69 is underdisclosed from calculated Finance Charge of $508,806.19 in the amount of $28,665.50. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-25: 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 *** (OPEN) 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. COMMENT: 2018-05-25: Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

1/XX/2006

Refinance

Primary

XXX

$XXX

95004794

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95001450

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/06/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/04/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $434,097.55 is underdisclosed from calculated Finance Charge of $460,100.60 in the amount of $26,003.05. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95002296

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/03/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/03/2008. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2008

Refinance

Primary

XXX

$XXX

95003666

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $398,530.02 is underdisclosed from calculated Finance Charge of $419,738.24 in the amount of $21,208.22. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/22/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/22/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $398,530.02 is underdisclosed from calculated Finance Charge of $419,738.24 in the amount of $21,208.22. COMMENT: 2018-05-18: Approval indicates the Index used was 3.36%. The closest Index available in our look-back period is 3.56%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95002448

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/03/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/03/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2003

Refinance

Primary

XXX

$XXX

95004476

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

1/XX/2007

Refinance

Primary

XXX

$XXX

95002627

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/25/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/25/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2004

Refinance

Primary

XXX

$XXX

95003816

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $656,381.21 is underdisclosed from calculated Finance Charge of $696,253.56 in the amount of $39,872.35. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/21/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/21/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $656,381.21 is underdisclosed from calculated Finance Charge of $696,253.56 in the amount of $39,872.35. COMMENT: 2018-05-17: Loan Approval indicates the Index used was 3.56%%. The closest Index available in our look-back period is 3.79%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

5/XX/2006

Refinance

Primary

XXX

$XXX

95000407

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $240,797.42 is underdisclosed from calculated Finance Charge of $243,764.44 in the amount of $2,967.02. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Loan approval indicates the Index used was 1.118%. The lowest Index available within the look-back period is 1.16167%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2004

Refinance

Primary

XXX

$XXX

95001596

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $517,202.17 is underdisclosed from calculated Finance Charge of $531,566.65 in the amount of $14,364.48. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/15/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/15/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $517,202.17 is underdisclosed from calculated Finance Charge of $531,566.65 in the amount of $14,364.48. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Purchase

Primary

XXX

$XXX

95004962

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/03/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/14/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95001805

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/31/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/31/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95004341

XXX

3

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/01/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/01/2006. - EV2

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95001566

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/15/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/15/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

FL

4/XX/2006

Refinance

Primary

XXX

$XXX

95001220

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $336,513.77 is underdisclosed from calculated Finance Charge of $343,132.67 in the amount of $6,618.90. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/17/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/17/2005. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CO

10/XX/2005

Refinance

Primary

XXX

$XXX

95001710

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/06/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/06/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $755,102.70 is underdisclosed from calculated Finance Charge of $780,597.45 in the amount of $25,494.75. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

MD

6/XX/2006

Refinance

Primary

XXX

$XXX

95003695

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/03/2006 used as disbursement date for compliance testing. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $700,995.67 is underdisclosed from calculated Finance Charge of $738,655.35 in the amount of $37,659.68. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/03/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $700,995.67 is underdisclosed from calculated Finance Charge of $738,655.35 in the amount of $37,659.68. COMMENT: 2018-05-18: 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

B

B

B

B

B

No

Yes

Final HUD1

VA

4/XX/2006

Purchase

Primary

XXX

$XXX

95000759

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95000251

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/18/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/18/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95004672

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/28/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/10/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95001760

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $669,815.58 is underdisclosed from calculated Finance Charge of $692,824.21 in the amount of $23,008.63. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/08/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/03/2006. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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 *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

FL

8/XX/2006

Refinance

Primary

XXX

$XXX

95002960

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/23/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/24/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

No

Yes

Final HUD1

CA

2/XX/2005

Purchase

Primary

XXX

$XXX

95001487

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $449,515.37 is underdisclosed from calculated Finance Charge of $463,696.36 in the amount of $14,180.99. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/26/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $449,515.37 is underdisclosed from calculated Finance Charge of $463,696.36 in the amount of $14,180.99. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95004934

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $920,089.61 is underdisclosed from calculated Finance Charge of $923,490.51 in the amount of $3,400.90. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/07/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/27/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $920,089.61 is underdisclosed from calculated Finance Charge of $923,490.51 in the amount of $3,400.90. COMMENT: 2018-05-18: Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2007

Refinance

Primary

XXX

$XXX

95004277

XXX

2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

11/XX/2006

Refinance

Primary

XXX

$XXX

95003713

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $613,016.87 is underdisclosed from calculated Finance Charge of $645,399.42 in the amount of $32,382.55. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/03/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/03/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $613,016.87 is underdisclosed from calculated Finance Charge of $645,399.42 in the amount of $32,382.55. COMMENT: 2018-05-18: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95002780

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $523,753.25 is underdisclosed from calculated Finance Charge of $547,797.75 in the amount of $24,044.50. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/02/2005, prior to three (3) business days from transaction date of 08/29/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%. *** (OPEN) 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. COMMENT: 2018-05-17: Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2005

Refinance

Primary

XXX

$XXX

95002042

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $720,562.40 is underdisclosed from calculated Finance Charge of $723,960.52 in the amount of $3,398.12. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/08/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/07/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.73%. The closest Index available in our lookback period is 4.75%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2007

Refinance

Primary

XXX

$XXX

95001933

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/21/2006, prior to three (3) business days from transaction date of 11/17/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Lender's approval indicates the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2006

Refinance

Primary

XXX

$XXX

95003337

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/24/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/24/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $607,848.96 is underdisclosed from calculated Finance Charge of $635,183.41 in the amount of $27,334.45. COMMENT: 2018-05-17: Lender Commitment indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.

B

B

B

B

B

No

Yes

Final HUD1

CA

11/XX/2005

Purchase

Primary

XXX

$XXX

95003112

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $583,904.69 is underdisclosed from calculated Finance Charge of $596,945.71 in the amount of $13,041.02. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/18/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $583,904.69 is underdisclosed from calculated Finance Charge of $596,945.71 in the amount of $13,041.02. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2005

Refinance

Primary

XXX

$XXX

95004483

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/12/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/12/2006. - EV2

B

B

B

B

B

No

Yes

Final HUD1

MA

2/XX/2007

Refinance

Investment

XXX

$XXX

95002006

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/07/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/18/2006. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2007

Refinance

Primary

XXX

$XXX

95000679

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/05/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/10/2005. - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2

*** (OPEN) Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-16: Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6% *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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% *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2018-05-17: Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2005

Refinance

Primary

XXX

$XXX

95001169

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $520,198.56 is underdisclosed from calculated Finance Charge of $543,572.31 in the amount of $23,373.75. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/24/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/21/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $520,198.56 is underdisclosed from calculated Finance Charge of $543,572.31 in the amount of $23,373.75. COMMENT: 2018-05-17: Lender used index value of 2.89% with a published date of 09/14/2005. The lowest index available within the look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95001322

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95004259

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/03/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/03/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

11/XX/2006

Refinance

Primary

XXX

$XXX

95004367

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/15/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.997%. The closest Index available in our look-back period is 5.08083%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95005077

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/01/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/01/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2008

Refinance

Primary

XXX

$XXX

95002040

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/09/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/09/2007. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2007

Refinance

Primary

XXX

$XXX

95001480

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/13/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $582,048.32 is underdisclosed from calculated Finance Charge of $616,235.19 in the amount of $34,186.87. COMMENT: 2018-05-17: Approval indicates the Index used was 3.24%. The Index available in our look-back period is 3.46%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95002119

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/01/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/01/2007. - EV2

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

9/XX/2007

Refinance

Primary

XXX

$XXX

95003313

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $601,024.99 is underdisclosed from calculated Finance Charge of $627,260.46 in the amount of $26,235.47. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/08/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/08/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95002222

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/16/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/25/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

GA

11/XX/2007

Refinance

Primary

XXX

$XXX

95004389

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/28/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/28/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95003170

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/22/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/22/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $744,275.33 is underdisclosed from calculated Finance Charge of $766,936.76 in the amount of $22,661.43. COMMENT: 2018-05-18: 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

D

D

D

D

D

No

Yes

HUD1, not signed or stamped

CA

9/XX/2005

Purchase

Primary

XXX

$XXX

95002352

XXX

1

1

A

A

A

A

A

Yes

Yes

Final HUD1

CA

2/XX/2008

Refinance

Primary

XXX

$XXX

95000880

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $780,274.61 is underdisclosed from calculated Finance Charge of $799,580.97 in the amount of $19,306.36. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/04/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/04/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

D

D

D

D

D

No

Yes

HUD1, not signed or stamped

WA

7/XX/2005

Purchase

Primary

XXX

$XXX

95000296

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/05/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/05/2003. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2004

Refinance

Primary

XXX

$XXX

95002460

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/05/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/05/2002. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

IL

6/XX/2003

Refinance

Primary

XXX

$XXX

95001401

XXX

3

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 02/01/2006, prior to three (3) business days from transaction date of 02/01/2006 - EV3 *** (OPEN) (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. - EV2 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/01/2006 used as disbursement date for compliance testing. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/01/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/13/2005. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/01/2006, prior to three (3) business days from transaction date of 02/01/2006. - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

2/XX/2006

Refinance

Primary

XXX

$XXX

95004038

XXX

3

3

*** (OPEN) (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. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (CLEARED) Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements - EV1

*** (OPEN) (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. COMMENT: 2018-05-17: The notary date is after the AFMV signature date.

C

C

C

C

C

Yes

Yes

Final HUD1

TX

8/XX/2006

Refinance

Primary

XXX

$XXX

95001792

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $498,476.97 is underdisclosed from calculated Finance Charge of $508,598.96 in the amount of $10,121.99. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/15/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/13/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The Loan Approval indicates the Index used was 4.483%. The closest Index available in our look-back period is 4.64%.

B

B

B

B

B

Yes

Yes

Final HUD1

IL

8/XX/2006

Refinance

Primary

XXX

$XXX

95004784

XXX

1

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

1

A

A

A

A

A

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95001786

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $278,431.90 is underdisclosed from calculated Finance Charge of $289,302.60 in the amount of $10,870.70. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/18/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/18/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $278,431.90 is underdisclosed from calculated Finance Charge of $289,302.60 in the amount of $10,870.70. COMMENT: 2018-05-18: The approval indicates the Index used was 4.483%. The closest Index available within the look back period is 4.64%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2006

Refinance

Primary

XXX

$XXX

95002400

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The approval reflects an index of 3.770%, lower than available in the look back period of 4.774%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

8/XX/2008

Purchase

Primary

XXX

$XXX

95000713

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/16/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/16/2004. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/29/2005, prior to three (3) business days from transaction date of 03/25/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

PA

3/XX/2005

Refinance

Primary

XXX

$XXX

95003048

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $371,074.12 is underdisclosed from calculated Finance Charge of $380,103.16 in the amount of $9,029.04. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/20/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/20/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Per approval the lender used an index of 2.61%; the closest index in the look-back period is 2.7%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95000103

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/17/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/08/2001. - EV2

B

B

B

B

B

No

Yes

Final HUD1

TX

5/XX/2001

Purchase

Primary

XXX

$XXX

95004883

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/06/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/06/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

11/XX/2007

Refinance

Primary

XXX

$XXX

95004623

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/30/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2007

Refinance

Primary

XXX

$XXX

95003103

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $259,634.64 is underdisclosed from calculated Finance Charge of $275,118.25 in the amount of $15,483.61. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/29/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/13/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approvals indicate the Index used was 2.610%. The closest Index available in our look-back period is 2.78%

B

B

B

B

B

Yes

Yes

Final HUD1

VA

7/XX/2005

Refinance

Primary

XXX

$XXX

95002215

XXX

2

2

*** (OPEN) Illinois Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) Illinois Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-17: Late charge is 6% which exceeds the State of IL max of 5%

B

B

B

B

B

Yes

Yes

Final HUD1

IL

10/XX/2007

Refinance

Investment

XXX

$XXX

95000479

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/05/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/01/2004. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

No

Yes

Final HUD1

PA

11/XX/2004

Purchase

Primary

XXX

$XXX

95002499

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $139,360.83 is underdisclosed from calculated Finance Charge of $140,639.49 in the amount of $1,278.66. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/02/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/02/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 1.11%. The closest Index available in our look-back period is 1.16%.

B

B

B

B

B

Yes

Yes

Final HUD1

TX

8/XX/2004

Refinance

Primary

XXX

$XXX

95001776

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/10/2006. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-30: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95005184

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $389,430.55 is underdisclosed from calculated Finance Charge of $395,357.23 in the amount of $5,926.68. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/26/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/12/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicates the Index used was 4.65%. The closest Index available in our look-back period is 4.74%.

B

B

B

B

B

Yes

Yes

Final HUD1

PA

3/XX/2008

Refinance

Primary

XXX

$XXX

95000036

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

NV

1/XX/2013

Refinance

Primary

XXX

$XXX

95004673

XXX

3

3

*** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan): Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) - EV2

C

C

C

C

C

Yes

Yes

Final HUD1

TX

10/XX/2007

Refinance

Primary

XXX

$XXX

95000273

XXX

1

*** (OPEN) Missing Document: Missing Final 1003 - EV2

1

A

A

A

A

A

Yes

Yes

Final HUD1

PA

4/XX/2004

Refinance

Primary

XXX

$XXX

95001922

XXX

2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/20/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/26/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

11/XX/2006

Refinance

Primary

XXX

$XXX

95002253

XXX

2

2

*** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $902,198.37 is underdisclosed from calculated Finance Charge of $906,958.00 in the amount of $4,759.63. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Loan commitment indicates the Index used was 4.88%. The closest Index available in our look-back period is 4.90%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

10/XX/2007

Refinance

Primary

XXX

$XXX

95001712

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $495,568.21 is underdisclosed from calculated Finance Charge of $532,070.45 in the amount of $36,502.24. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/01/2006 which is 11 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/01/2006. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%. *** (OPEN) 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. COMMENT: 2018-05-29: The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

6/XX/2006

Refinance

Primary

XXX

$XXX

95000266

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2004

Purchase

Primary

XXX

$XXX

95001620

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $675,867.23 is underdisclosed from calculated Finance Charge of $694,361.65 in the amount of $18,494.42. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/07/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/07/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $675,867.23 is underdisclosed from calculated Finance Charge of $694,361.65 in the amount of $18,494.42. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 3.46%. The lowest Index available within the look-back period is 3.66%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95001824

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $543,121.17 is underdisclosed from calculated Finance Charge of $556,602.82 in the amount of $13,481.65. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/30/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/28/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/05/2006, prior to three (3) business days from transaction date of 09/02/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-28: Closing instructions indicate the Index used was 4.11%. The closest Index available in our look-back period is 4.34%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2006

Refinance

Primary

XXX

$XXX

95003284

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $405,932.22 is underdisclosed from calculated Finance Charge of $425,330.62 in the amount of $19,398.40. COMMENT: 2018-05-18: Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95001648

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

UT

5/XX/2006

Refinance

Primary

XXX

$XXX

95002707

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/23/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/17/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2004

Refinance

Primary

XXX

$XXX

95003776

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/12/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/12/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approvals indicate the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95001427

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $558,432.07 is underdisclosed from calculated Finance Charge of $573,336.02 in the amount of $14,903.95. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/23/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/23/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $558,432.07 is underdisclosed from calculated Finance Charge of $573,336.02 in the amount of $14,903.95. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Refinance

Primary

XXX

$XXX

95002152

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/23/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/23/2007. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

9/XX/2007

Refinance

Investment

XXX

$XXX

95000432

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/15/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/15/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

8/XX/2004

Refinance

Primary

XXX

$XXX

95003785

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/11/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/11/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $636,918.83 is underdisclosed from calculated Finance Charge of $653,672.61 in the amount of $16,753.78. COMMENT: 2018-05-17: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.56%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95004405

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $598,732.78 is underdisclosed from calculated Finance Charge of $606,547.77 in the amount of $7,814.99. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/19/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/19/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $598,732.78 is underdisclosed from calculated Finance Charge of $606,547.77 in the amount of $7,814.99. COMMENT: 2018-05-18: Loan Approval indicates the index used was 4.997%. The closest index available in our look-back period is 5.15333%.

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

1/XX/2007

Refinance

Primary

XXX

$XXX

95003596

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/06/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/06/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

2/XX/2006

Refinance

Primary

XXX

$XXX

95002495

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided

2

*** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95004162

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/17/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Final Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.89337%

B

B

B

B

B

Yes

Yes

Final HUD1

WA

10/XX/2006

Refinance

Primary

XXX

$XXX

95003644

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $534,864.73 is underdisclosed from calculated Finance Charge of $565,926.38 in the amount of $31,061.65. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004774

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $696,244.65 is underdisclosed from calculated Finance Charge of $704,434.97 in the amount of $8,190.32. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/19/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/19/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95004482

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,403,770.16 is underdisclosed from calculated Finance Charge of $1,407,564.18 in the amount of $3,794.02. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/09/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/29/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,403,770.16 is underdisclosed from calculated Finance Charge of $1,407,564.18 in the amount of $3,794.02. COMMENT: 2018-05-18: Approval indicates the Index used was 5.153%. The closest Index available in our look-back period is 5.21667%;

B

B

B

B

B

Yes

Yes

Final HUD1

AZ

2/XX/2007

Refinance

Primary

XXX

$XXX

95000280

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $395,324.22 is underdisclosed from calculated Finance Charge of $488,407.27 in the amount of $93,083.05. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/20/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/20/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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 *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2004

Refinance

Primary

XXX

$XXX

95004975

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/16/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/19/2007. - EV2

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

12/XX/2007

Refinance

Primary

XXX

$XXX

95005146

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/25/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/25/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

IL

2/XX/2008

Refinance

Primary

XXX

$XXX

95002880

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $685,251.36 is underdisclosed from calculated Finance Charge of $721,430.90 in the amount of $36,179.54. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/27/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/27/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Approval indicate the Index used was 2.52%. The closest Index available in our look-back period is 2.700%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95000215

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/07/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/25/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

4/XX/2004

Purchase

Primary

XXX

$XXX

95001475

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $770,739.15 is underdisclosed from calculated Finance Charge of $838,853.01 in the amount of $68,113.86. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/13/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/03/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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%. *** (OPEN) 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. COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2006

Refinance

Primary

XXX

$XXX

95004521

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/10/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/10/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $289,827.57 is underdisclosed from calculated Finance Charge of $291,288.96 in the amount of $1,461.39. COMMENT: 2018-05-17: Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%.

B

B

B

B

B

Yes

Yes

Final HUD1

NV

3/XX/2007

Refinance

Primary

XXX

$XXX

95004132

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/14/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/14/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Commitment and Approval indicates the Index used was 4.774%. The lowest Index available within the look-back period is 4.89667%.

B

B

B

B

B

Yes

Yes

Final HUD1

FL

10/XX/2006

Refinance

Primary

XXX

$XXX

95004993

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/01/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/01/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

IL

11/XX/2007

Refinance

Primary

XXX

$XXX

95001660

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/24/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95001913

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/07/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/07/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95001336

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/06/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/12/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $347,094.02 is underdisclosed from calculated Finance Charge of $353,347.73 in the amount of $6,253.71. COMMENT: 2018-05-18: Lender Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.14%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

12/XX/2005

Refinance

Primary

XXX

$XXX

95004510

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/09/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/09/2007. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%. *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-05-17: 5% late charge exceeds 2% maximum per state of NY

B

B

B

B

B

Yes

Yes

Final HUD1

NY

2/XX/2007

Refinance

Primary

XXX

$XXX

95002589

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2004

Refinance

Primary

XXX

$XXX

95001735

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $406,897.75 is underdisclosed from calculated Finance Charge of $436,612.19 in the amount of $29,714.44. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/26/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/26/2005. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94% *** (OPEN) 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. COMMENT: 2018-05-25: Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94%

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2006

Refinance

Primary

XXX

$XXX

95003662

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $417,025.15 is underdisclosed from calculated Finance Charge of $439,263.68 in the amount of $22,238.53. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/21/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/21/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The approval indicates the Index used was 3.36%. The closest Index available within the look back period is 3.56%.

B

B

B

B

B

No

Yes

Final HUD1

FL

3/XX/2006

Purchase

Primary

XXX

$XXX

95002043

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $392,113.37 is underdisclosed from calculated Finance Charge of $393,881.04 in the amount of $1,767.67. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/08/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/08/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $392,113.37 is underdisclosed from calculated Finance Charge of $393,881.04 in the amount of $1,767.67. COMMENT: 2018-05-18: Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2007

Refinance

Primary

XXX

$XXX

95000584

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/04/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MD

2/XX/2005

Refinance

Primary

XXX

$XXX

95001523

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004517

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $629,044.47 is underdisclosed from calculated Finance Charge of $637,455.36 in the amount of $8,410.89. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/22/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/05/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $629,044.47 is underdisclosed from calculated Finance Charge of $637,455.36 in the amount of $8,410.89. COMMENT: 2018-05-17: The Loan Approval indicates the Index used was 5.217%. The closest Index available in our look-back period is 5.32417%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2007

Refinance

Primary

XXX

$XXX

95003387

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $399,718.34 is underdisclosed from calculated Finance Charge of $429,202.99 in the amount of $29,484.65. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/20/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/01/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 2.97%. The closest Index available in our look-back period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

12/XX/2005

Refinance

Primary

XXX

$XXX

95004068

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $571,361.85 is underdisclosed from calculated Finance Charge of $613,868.11 in the amount of $42,506.26. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/08/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/08/2006. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/12/2006, prior to three (3) business days from transaction date of 09/08/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates index used as 3.94%; lowest available in our look -back is 4.34% *** (OPEN) 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. COMMENT: 2018-05-29: Approval indicates index used as 3.94%; lowest available in our look -back is 4.34%

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

9/XX/2006

Refinance

Primary

XXX

$XXX

95001582

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-17: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $402,268.52 is underdisclosed from calculated Finance Charge of $413,012.85 in the amount of $10,744.33. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/16/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/16/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $402,268.52 is underdisclosed from calculated Finance Charge of $413,012.85 in the amount of $10,744.33. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2006

Refinance

Primary

XXX

$XXX

95003139

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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 *** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95004267

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/03/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/03/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $637,244.72 is underdisclosed from calculated Finance Charge of $637,500.37 in the amount of $255.65. COMMENT: 2018-05-18: Unable to determine under disclosure due to missing detailed Itemization of Amount Financed.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

11/XX/2006

Refinance

Primary

XXX

$XXX

95002515

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/15/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/15/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95002972

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/03/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/03/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $331,535.05 is underdisclosed from calculated Finance Charge of $344,138.29 in the amount of $12,603.24. COMMENT: 2018-05-17: Approval indicates the lender Index used was 1.563%. The closest Index available in our look-back period is 1.6925%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95002250

XXX

2

*** (OPEN) Missing Valuation: - EV3

*** (OPEN) Missing Valuation: COMMENT: 2018-05-18: Appraisal not provided.

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/25/2007 used as disbursement date for compliance testing. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/27/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/27/2007. - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/25/2007, prior to three (3) business days from transaction date of 10/26/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2007

Refinance

Primary

XXX

$XXX

95001540

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $570,417.50 is underdisclosed from calculated Finance Charge of $585,233.99 in the amount of $14,816.49. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/10/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/08/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $570,417.50 is underdisclosed from calculated Finance Charge of $585,233.99 in the amount of $14,816.49. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004612

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-30: Appraisal not provided

2

*** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/06/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/06/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2007

Refinance

Primary

XXX

$XXX

95003439

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/21/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/21/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Final Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2005

Refinance

Primary

XXX

$XXX

95004209

XXX

3

*** (OPEN) Missing Document: Missing Final 1003 - EV2

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/17/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/11/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-18: 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. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.99667%;

D

D

D

D

D

Yes

Yes

HUD1, not signed or stamped

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95002970

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $308,842.22 is underdisclosed from calculated Finance Charge of $336,711.35 in the amount of $27,869.13. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/04/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%. *** (OPEN) 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. COMMENT: 2018-05-18: Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2005

Refinance

Primary

XXX

$XXX

95002151

XXX

2

2

*** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $694,224.20 is underdisclosed from calculated Finance Charge of $711,529.36 in the amount of $17,305.16. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/10/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/10/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2007

Purchase

Primary

XXX

$XXX

95001108

XXX

2

2

*** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/14/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/11/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2005

Refinance

Primary

XXX

$XXX

95003281

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $562,782.91 is underdisclosed from calculated Finance Charge of $589,742.91 in the amount of $26,960.00. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $562,782.91 is underdisclosed from calculated Finance Charge of $589,742.91 in the amount of $26,960.00. COMMENT: 2018-05-17: Approval indicates the lender Index used was 2.89%. The closest Index available in our look-back period is 3.06%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2005

Refinance

Primary

XXX

$XXX

95001777

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/01/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/23/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2006

Refinance

Primary

XXX

$XXX

95003149

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

No

Yes

Final HUD1

VA

1/XX/2006

Purchase

Primary

XXX

$XXX

95004045

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/16/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/31/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

10/XX/2006

Refinance

Primary

XXX

$XXX

95004442

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $713,986.35 is underdisclosed from calculated Finance Charge of $728,049.80 in the amount of $14,063.45. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/24/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The approval indicates the Index used was 4.65%. The closest Index available within the look back period is 4.73%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2007

Refinance

Primary

XXX

$XXX

95004650

XXX

1

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

1

A

A

A

A

A

No

Yes

Final HUD1

MA

8/XX/2007

Refinance

Investment

XXX

$XXX

95003787

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/23/2006 used as disbursement date for compliance testing. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $557,821.76 is underdisclosed from calculated Finance Charge of $608,031.52 in the amount of $50,209.76. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/23/2006, prior to three (3) business days from transaction date of 05/23/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-25: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%. *** (OPEN) 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. COMMENT: 2018-05-30: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2006

Refinance

Primary

XXX

$XXX

95001443

XXX

2

*** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2

*** (OPEN) Missing Valuation: COMMENT: 2018-05-30: Appraisal not provided

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/04/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/04/2005. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-30: PPP Expired. Prepayment charge not allowed per state (NJ) NJ does not allow a prepayment charge - note states 2%. Lender is XXX *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

NJ

2/XX/2006

Refinance

Primary

XXX

$XXX

95000430

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $334,114.63 is underdisclosed from calculated Finance Charge of $339,595.71 in the amount of $5,481.08. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/18/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/18/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 1.27667%, approval states index is 1.212%

B

B

B

B

B

No

Yes

Final HUD1

CA

10/XX/2004

Purchase

Primary

XXX

$XXX

95004391

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/20/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/20/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $987,246.78 is underdisclosed from calculated Finance Charge of $1,005,710.20 in the amount of $18,463.42. COMMENT: 2018-05-17: 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%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

12/XX/2006

Refinance

Primary

XXX

$XXX

95002545

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/01/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/01/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2004

Refinance

Primary

XXX

$XXX

95000481

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/24/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/24/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the index used at origination was 1.162%, however the lowest index available within the look-back period was 1.21167%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

9/XX/2004

Refinance

Primary

XXX

$XXX

95004646

XXX

2

2

*** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/18/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/18/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2007

Refinance

Primary

XXX

$XXX

95000805

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/06/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/18/2004. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

VA

5/XX/2005

Refinance

Primary

XXX

$XXX

95005030

XXX

2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/17/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/17/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

FL

12/XX/2007

Refinance

Primary

XXX

$XXX

95002996

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/12/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/07/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $305,140.32 is underdisclosed from calculated Finance Charge of $322,724.75 in the amount of $17,584.43. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95004642

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/02/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/21/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

8/XX/2007

Refinance

Primary

XXX

$XXX

95003888

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/20/2006, prior to three (3) business days from transaction date of 06/26/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2006

Refinance

Primary

XXX

$XXX

95001019

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $377,615.23 is underdisclosed from calculated Finance Charge of $397,449.48 in the amount of $19,834.25. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/02/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $377,615.23 is underdisclosed from calculated Finance Charge of $397,449.48 in the amount of $19,834.25. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 2.52%. The lowest Index available within the look-back period is 2.7%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95001717

XXX

2

2

*** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/22/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/22/2006. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

6/XX/2006

Refinance

Primary

XXX

$XXX

95002003

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $507,446.81 is underdisclosed from calculated Finance Charge of $511,965.05 in the amount of $4,518.24. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/13/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/13/2006. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

FL

1/XX/2007

Refinance

Primary

XXX

$XXX

95003080

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $343,394.66 is underdisclosed from calculated Finance Charge of $353,464.81 in the amount of $10,070.15. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/07/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $343,394.66 is underdisclosed from calculated Finance Charge of $353,464.81 in the amount of $10,070.15. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

7/XX/2005

Refinance

Primary

XXX

$XXX

95001406

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/26/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/26/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

12/XX/2005

Refinance

Primary

XXX

$XXX

95002340

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/09/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/10/2008. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2008

Refinance

Primary

XXX

$XXX

95001789

XXX

3

3

*** (OPEN) Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/10/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/10/2006. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%.

D

D

D

D

D

Yes

Yes

Estimated HUD1

WA

8/XX/2006

Refinance

Primary

XXX

$XXX

95004570

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $548,832.71 is underdisclosed from calculated Finance Charge of $553,861.46 in the amount of $5,028.75. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/09/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/09/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-29: Closing instructions indicate the Index used was 5.266%. The lowest Index available within the look-back period is 5.3008%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2007

Refinance

Primary

XXX

$XXX

95000766

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/13/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/13/2005. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

VA

7/XX/2005

Refinance

Primary

XXX

$XXX

95004097

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/25/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/25/2006. - EV2

*** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-05-30: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-30: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

9/XX/2006

Refinance

Primary

XXX

$XXX

95005164

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $643,121.50 is underdisclosed from calculated Finance Charge of $650,279.49 in the amount of $7,157.99. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/17/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/17/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2008

Refinance

Primary

XXX

$XXX

95004323

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $585,546.62 is underdisclosed from calculated Finance Charge of $591,005.24 in the amount of $5,458.62. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/06/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/06/2006. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $585,546.62 is underdisclosed from calculated Finance Charge of $591,005.24 in the amount of $5,458.62. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2006

Refinance

Primary

XXX

$XXX

95002103

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/13/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/11/2007. - EV2

B

B

B

B

B

No

Yes

Final HUD1

UT

8/XX/2007

Refinance

Investment

XXX

$XXX

95000951

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $357,040.79 is underdisclosed from calculated Finance Charge of $357,180.14 in the amount of $139.35. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/30/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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.

B

B

B

B

B

No

Yes

Final HUD1

CA

3/XX/2005

Purchase

Primary

XXX

$XXX

95003927

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $913,158.25 is underdisclosed from calculated Finance Charge of $944,905.09 in the amount of $31,746.84. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

MD

7/XX/2006

Refinance

Primary

XXX

$XXX

95001000

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) Final TIL 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/21/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/20/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%. *** (OPEN) 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. COMMENT: 2018-05-17: Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

6/XX/2005

Refinance

Primary

XXX

$XXX

95001658

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/11/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/11/2005. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2006

Refinance

Primary

XXX

$XXX

95000747

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $406,296.24 is underdisclosed from calculated Finance Charge of $410,984.15 in the amount of $4,687.91. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/28/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/28/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $406,296.24 is underdisclosed from calculated Finance Charge of $410,984.15 in the amount of $4,687.91. COMMENT: 2018-05-18: The loan approval indicates the lender used an index value of 1.693%, the lowest index available in the lookback period is 1.8358%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2005

Refinance

Primary

XXX

$XXX

95000047

XXX

2

2

*** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2013

Refinance

Primary

XXX

$XXX

95003350

XXX

2

*** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $686,925.23 is underdisclosed from calculated Finance Charge of $720,771.89 in the amount of $33,846.66. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/29/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/29/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $686,925.23 is underdisclosed from calculated Finance Charge of $720,771.89 in the amount of $33,846.66. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95000315

XXX

3

3

*** (OPEN) Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/25/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/28/2003. - EV2

D

D

D

D

D

No

Yes

HUD1, not signed or stamped

CA

5/XX/2004

Purchase

Primary

XXX

$XXX

95001497

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. - EV2 *** (OPEN) TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: 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

B

B

B

B

B

Yes

Yes

Final HUD1

CA

3/XX/2006

Refinance

Primary

XXX

$XXX

95004590

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/13/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/13/2007. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

MA

5/XX/2007

Refinance

Primary

XXX

$XXX

95000233

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/22/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/08/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2004

Refinance

Primary

XXX

$XXX

95003015

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/11/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/11/2005. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95002019

XXX

2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/15/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/15/2007. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2007

Refinance

Primary

XXX

$XXX

95001509

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $954,060.81 is underdisclosed from calculated Finance Charge of $1,011,601.96 in the amount of $57,541.15. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.46%, approval states index is 3.24%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

2/XX/2006

Refinance

Primary

XXX

$XXX

95002220

XXX

2

2

*** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/26/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/18/2007. - EV2

B

B

B

B

B

No

Yes

Final HUD1

CA

10/XX/2007

Refinance

Investment

XXX

$XXX

95001611

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/24/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/15/2006. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). - EV2 *** (OPEN) TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/26/2006, prior to three (3) business days from transaction date of 04/24/2006. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

MA

4/XX/2006

Refinance

Primary

XXX

$XXX

95003006

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/29/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/29/2005. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: The approval indicates the Index used was 1.836%. The closest Index available within the look back period is 1.99583%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

4/XX/2005

Refinance

Primary

XXX

$XXX

95004850

XXX

2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $716,233.80 is underdisclosed from calculated Finance Charge of $717,834.83 in the amount of $1,601.03. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/30/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/29/2007. - EV2

*** (OPEN) 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. COMMENT: 2018-05-18: The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

VA

10/XX/2007

Refinance

Primary

XXX

$XXX

95004490

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/25/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/08/2006. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2007

Refinance

Primary

XXX

$XXX

95001845

XXX

2

2

*** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $336,096.00 is underdisclosed from calculated Finance Charge of $370,129.33 in the amount of $34,033.33. - EV2 *** (OPEN) 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. - EV2

*** (OPEN) 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. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49% *** (OPEN) 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. COMMENT: 2018-05-17: Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49%

B

B

B

B

B

Yes

Yes

Final HUD1

UT

9/XX/2006

Refinance

Primary

XXX

$XXX

95001341

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $375,829.82 is underdisclosed from calculated Finance Charge of $393,761.42 in the amount of $17,931.60. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/01/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/01/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $375,829.82 is underdisclosed from calculated Finance Charge of $393,761.42 in the amount of $17,931.60. COMMENT: 2018-05-17: Approval indicates the lender Index used was 3.06%. The closest Index available in our look-back period is 3.24%.

B

B

B

B

B

Yes

Yes

Final HUD1

CA

11/XX/2005

Refinance

Primary

XXX

$XXX

95003021

XXX

2

2

*** (OPEN) 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. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/18/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/18/2005. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $316,757.60 is underdisclosed from calculated Finance Charge of $331,476.17 in the amount of $14,718.57. COMMENT: 2018-05-17: An approval states that the lender used an index of 1.996%; the closest index in the look-back period is 2.16333%

B

B

B

B

B

Yes

Yes

Final HUD1

CA

5/XX/2005

Refinance

Primary

XXX

$XXX

95000606

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/10/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/10/2004. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

*** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2018-05-18: 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%.

B

B

B

B

B

Yes

Yes

Final HUD1

PA

12/XX/2004

Refinance

Primary

XXX

$XXX

95002522

XXX

2

*** (OPEN) Missing Document: Missing Final 1003 - EV2

2

*** (OPEN) ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. - EV2 *** (OPEN) Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/30/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/30/2003. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2

B

B

B

B

B

Yes

Yes

Final HUD1

CA

1/XX/2004

Refinance

Primary

XXX

$XXX