EX-99.7 33 exhibit997-3.htm EXHIBIT 99.7, SCHEDULE 3 - ITEMIZED REPORT

Unique Loan ID
Rating
Type
Exception
Credit Comments
Compliance Comments
Eligible For Predatory Testing - Unable to Test
Compliance Comp Factors
14850024
Critical
Credit
[3]   Missing Initial Application
        
14850024
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850024
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850025
Critical
Credit
[3]   Missing Initial Application
        
14850025
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850027
Critical
Compliance
[3]   State Late Charge Not Standard
  
Late charge fee of 5% exceeds the max allowed of 3% for the state of Massachusetts.
    
14850027
Critical
Credit
[3]   Final Application Missing
        
14850027
Critical
Credit
[3]   Missing Initial Application
        
14850027
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850027
Non Critical
Compliance
[2]   State - Missing Borrower Interest Worksheet
        
14850028
Critical
Credit
[3]   Final Application Missing
        
14850036
Critical
Credit
[3]   Credit Report Missing
        
14850036
Critical
Credit
[3]   Missing Initial Application
        
14850036
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850036
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850036
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850036
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850036
Non Critical
Compliance
[2]   State - Missing Anti-Coercion Notice
        
14850036
Non Critical
Compliance
[2]   State - Missing Disclosure of Terms of Mortgage Application
        
14850036
Non Critical
Compliance
[2]   State - Missing Oral Agreement Notice
        
14850036
Non Critical
Compliance
[2]   State - Missing Rate Lock Disclosure
        
14850033
Critical
Credit
[3]   Credit Report Incomplete
Credit report is incomplete because it does not give the Borrower's credit scores.
      
14850033
Critical
Credit
[3]   Missing Initial Application
        
14850033
Critical
Credit
[3]   Mortgage/DOT Incomplete
The Mortgage is incomplete due to missing notary date.
      
14850033
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850033
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850033
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850033
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850033
Non Critical
Compliance
[2]   State - Missing Choice of Insurance Disclsoure
        
14850033
Non Critical
Compliance
[2]   State - Missing Consumer Finance Licensee Statement of Loan Disclosure
        
14850033
Non Critical
Compliance
[2]   State - Missing Escrow Agent Notice
        
14850033
Non Critical
Compliance
[2]   State - Missing Interest rate Lock/Float Disclosure
        
14850033
Non Critical
Compliance
[2]   State - Missing Non-Refundable Fee Disclosure
        
14850033
Non Critical
Compliance
[2]   State - Missing Notice Pursuant To ORS 746.201 (Force-Placed Insurance Notice)
        
14850033
Non Critical
Compliance
[2]   State - Missing Prepayment Penalty Notice or Notice to Refuse Payment on the Note
        
14850033
Non Critical
Compliance
[2]   State - Missing Security Protection Provision Statement
        
14850033
Non Critical
Credit
[2]   Manufactured (Double-Wide)
        
14850034
Critical
Credit
[3]   Credit Report Missing
        
14850034
Critical
Credit
[3]   Missing Initial Application
        
14850034
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850034
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850034
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850034
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850034
Non Critical
Compliance
[2]   State - Missing Appraisal Notice
        
14850034
Non Critical
Compliance
[2]   State - Missing Commitment Letter
        
14850034
Non Critical
Compliance
[2]   State - Missing Disclosure of Terms of Mortgage Application
        
14850034
Non Critical
Compliance
[2]   State - Missing Lock In Disclosure
        
14850034
Non Critical
Compliance
[2]   State - Missing Virginia Insurance Disclosure
        
14850029
Critical
Compliance
[3]   ROR Missing
      
ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
14850029
Critical
Credit
[3]   Appraisal Missing
        
14850029
Critical
Credit
[3]   Credit Report Missing
        
14850029
Critical
Credit
[3]   Final Application Missing
        
14850029
Critical
Credit
[3]   Missing Initial Application
        
14850029
Critical
Credit
[3]   Missing Title Evidence
        
14850029
Critical
Credit
[3]   Mortgage Missing
        
14850029
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850029
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850029
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850029
Non Critical
Compliance
[2]   State - Missing Choice of Insurance Disclsoure
        
14850029
Non Critical
Compliance
[2]   State - Missing Escrow Agent Notice
        
14850029
Non Critical
Compliance
[2]   State - Missing Interest rate Lock/Float Disclosure
        
14850030
Critical
Credit
[3]   Final Application Missing
        
14850030
Critical
Credit
[3]   Missing Initial Application
        
14850030
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850030
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850030
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850030
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850031
Critical
Credit
[3]   Appraisal Missing
        
14850031
Critical
Credit
[3]   Final Application Missing
        
14850031
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850031
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850031
Non Critical
Compliance
[2]   State - Missing Affidavit of Affixation (of manufactured home)
        
14850031
Non Critical
Compliance
[2]   State - Missing Documentation of Fees paid to Third Parties
        
14850031
Non Critical
Compliance
[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
        
14850031
Non Critical
Compliance
[2]   State - Missing Rate Lock
        
14850031
Non Critical
Compliance
[2]   State - Missing Right to Choose Insurance Provider
        
14850041
Critical
Credit
[3]   Credit Report Missing
        
14850041
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850041
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850041
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850041
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850041
Non Critical
Compliance
[2]   State - Missing Tangible Net Benefit Disclosure
        
14850038
Critical
Credit
[3]   Missing Initial Application
        
14850038
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850038
Non Critical
Compliance
[2]   State - Missing Agency to Receive Borrower Complaints
        
14850038
Non Critical
Compliance
[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
        
14850038
Non Critical
Compliance
[2]   State - Missing Notice to Cosigner
        
14850038
Non Critical
Credit
[2]   Manufactured (Double-Wide)
        
14850035
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850035
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850035
Non Critical
Compliance
[2]   State - Missing Authorization to Complete Blank Spaces
        
14850032
Critical
Credit
[3]   Missing Initial Application
        
14850032
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850032
Non Critical
Compliance
[2]   State - Missing Amortization Information Disclosure
        
14850032
Non Critical
Compliance
[2]   State - Missing Anti-Coercion Notice
        
14850032
Non Critical
Compliance
[2]   State - Missing Choice of Attorney disclosure
        
14850032
Non Critical
Compliance
[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
        
14850040
Critical
Credit
[3]   Credit Report Missing
        
14850040
Critical
Credit
[3]   Missing Initial Application
        
14850040
Non Critical
Compliance
[2]   Credit Score Disclosure Not Present
        
14850040
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850040
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850040
Non Critical
Compliance
[2]   State - Missing Anti-Coercion Notice
        
14850040
Non Critical
Compliance
[2]   State - Missing Disclosure of Terms of Mortgage Application
        
14850040
Non Critical
Compliance
[2]   State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator’s license number on the application
        
14850040
Non Critical
Compliance
[2]   State - Missing Oral Agreement Notice
        
14850040
Non Critical
Compliance
[2]   State - Missing Rate Lock Disclosure
        
14850046
Critical
Credit
[3]   Initial Application Unsigned
        
14850046
Critical
Credit
[3]   MI Missing
Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC. 
      
14850046
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850046
Non Critical
Compliance
[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
        
14850046
Non Critical
Compliance
[2]   State - Missing Anti-Discrimination Notice
        
14850046
Non Critical
Compliance
[2]   State - Missing Attorney General Information Statement
        
14850046
Non Critical
Compliance
[2]   State - Missing Closing Statement / Closing Disclosure
        
14850046
Non Critical
Compliance
[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
        
14850046
Non Critical
Compliance
[2]   State - Missing Mortgage Loan Origination Dislcosure
        
14850046
Non Critical
Compliance
[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
        
14850046
Non Critical
Compliance
[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
        
14850046
Non Critical
Compliance
[2]   State - Missing Statutory Authority Disclosure
        
14850045
Critical
Credit
[3]   Credit Report Missing
        
14850045
Critical
Credit
[3]   Initial Application Unsigned
        
14850045
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850045
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850045
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850045
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850045
Non Critical
Compliance
[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
        
14850004
Critical
Credit
[3]   Final Application Missing
        
14850004
Non Critical
Compliance
[2]   Missing Initial Application
        
14850004
Non Critical
Compliance
[2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment
        
14850004
Non Critical
Compliance
[2]   State - Missing Appraisal and Consumer Report Notice
        
14850004
Non Critical
Compliance
[2]   State - Missing Interest Rate Disclsoure
        
14850005
Critical
Credit
[3]   Credit Report Missing
        
14850005
Non Critical
Compliance
[2]   State - Missing Broker Agreement
        
14850005
Non Critical
Compliance
[2]   State - Missing Notice to Purchaser-Mortgagor
        
14850005
Non Critical
Credit
[2]   Combined Orig LTV >100%
        
14850008
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850008
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850008
Non Critical
Compliance
[2]   Missing Initial Application
        
14850008
Non Critical
Compliance
[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
        
14850008
Non Critical
Compliance
[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
        
14850008
Non Critical
Compliance
[2]   State - Missing Right to Select Attorney Disclosure
        
14850015
Critical
Credit
[3]   Credit Report Missing
        
14850015
Critical
Credit
[3]   Final Application Missing
        
14850015
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850015
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850015
Non Critical
Compliance
[2]   Missing Initial Application
        
14850043
Critical
Credit
[3]   Appraisal Incomplete
Appraisal incomplete due to missing recertification of value. Appraisal report dated 4/xx/2003, loan originated 9/xx/2003.
      
14850043
Critical
Credit
[3]   Final Application Missing
        
14850043
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850043
Non Critical
Compliance
[2]   Initial GFE Date not within 3 days of Initial Application Date
        
14850043
Non Critical
Compliance
[2]   Initial TIL Date not within 3 days of Initial Application Date
        
14850043
Non Critical
Compliance
[2]   Missing Initial Application
        
14850043
Non Critical
Compliance
[2]   State - Missing Net Tangible Benefit Worksheet
        
14850002
Critical
Compliance
[3]   GS APR Over Disclosed More Than .125%
  
APR is over disclosed by .6027 which exceeds the .125 tolerance.
    
14850002
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850000
Critical
Credit
[3]   Final Application Missing
        
14850000
Non Critical
Compliance
[2]   Affiliated Business Doc Missing
        
14850000
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850000
Non Critical
Compliance
[2]   Initial GFE Date not within 3 days of Initial Application Date
        
14850000
Non Critical
Compliance
[2]   Initial TIL Missing
        
14850000
Non Critical
Compliance
[2]   State - Missing Borrower Information Document
        
14850001
Critical
Credit
[3]   Appraisal Missing
        
14850001
Non Critical
Compliance
[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
        
14850001
Non Critical
Compliance
[2]   Missing Initial Application
        
14850001
Non Critical
Credit
[2]   Flood Insurance Cert Missing
        
14850001
Non Critical
Credit
[2]   Manufactured (Double-Wide)
        
14850002
Non Critical
Compliance
[2]   Initial GFE Missing
        
14850002
Non Critical
Compliance
[2]   Initial TIL Missing