EX-99.1 3 ex99-1s2.htm SCHEDULE 2 - EXCEPTION DETAIL REPORT

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

Exhibit 99.1 - Schedule 2

Loan Number

Seller ID Number

Finding ID

Deal Num

Investor Loan Number

Deal Specific Name

Exception ID

Last Name

Loan Purpose

Occupancy

Note Date

State

Original Loan Amount

Loan Status

Exception Date

Exception Type

Exception Subcategory

Exception Status

Exception Status Change Date

Exception Grade

Exception

Exception Information

Exception Rebuttal

Exception Rebuttal Date

Compensating Factors

Statute of Limitation Date

Assigned To

Status Comment

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Per Diem Interest Amount Test

Cleared

XX/XX/XXXX

Per Diem Interest Amount Test

This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.

This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.; XX/XX/XXXX: Received Trailing's docs; PCCD; Exception cleared

XX/XX/XXXX

Complete

This loan passed the per diem interest amount test. (CA Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XX/XX/XXXX

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

The AUS is Partial; AUS provided does not appear to be final approved DU. ; XX/XX/XXXX: Please provide the final AUS /DU approval

XX/XX/XXXX: Received trailing docs; Final approved AUS; Exception cleared.; The AUS is received in trailing docs and is the Final AUS approval.

XX/XX/XXXX

Complete

The AUS is received in trailing docs and is the Final AUS approval.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

Cleared

XX/XX/XXXX

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test.

This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Cleared

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consumer Credit Contracts Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided

Cleared

XX/XX/XXXX

Consumer Credit Contracts Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided

Cosigner Notice Disclosure was provided; Consumer Credit Contracts, XXX. Civ. Code § XXX - Cosigner Notice Disclosure was not provided

Cosigner Notice Disclosure was provided

XX/XX/XXXX

Complete

Cosigner Notice Disclosure was provided

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Cosigner Notice Disclosure is Missing

Cleared

XX/XX/XXXX

Cosigner Notice Disclosure is Missing

The cosigner notice disclosure is Not Applicable; The cosigner notice disclosure is Missing

The cosigner notice disclosure is Not Applicable

XX/XX/XXXX

Complete

The cosigner notice disclosure is Not Applicable

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The DTI is showing higher than the approved AUS due to the origination underwriter excluding XXX Federal XXX debt. XXXX shows a balance of XXX, however there is no evidence in the file to support this loan balance in order to exclude the XXX payment from the DTI. Credit report shows the current balance as XXX. File needs to contain evidence of the new balance in order to justify omission of the debt.

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

MD Credit Regulations Mortgage Loan DTI Provided Test

Cleared

XX/XX/XXXX

MD Credit Regulations Mortgage Loan DTI Provided Test

This loan failed the DTI provided test. ( XXX/XXX,Code, Com. Law II §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX).

See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.

This loan passed the DTI provided test. ( XXX/XXX, §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (XXX) or Chapter XXX (XXX).

See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.

XX/XX/XXXX

Complete

This loan passed the DTI provided test. ( XXX §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXXX (XXX) or Chapter XXX (XXX).

See MD Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Written List of Service Providers Disclosure Date Test

Cleared

XX/XX/XXXX

Written List of Service Providers Disclosure Date Test

Original application date is XX/XX/XXXX.; This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is either: Less than the seventh business day (counting all calendar days except XXX and specified legal public holidays) before consummation of the transaction; or Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to §XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXX(e)(X)(e)(X)(iii).

This loan passed the written list of service providers disclosure date test due to the following reasons: ( XXX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; and The written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to §XXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX: Received trailing docs; Initial disclosure log from client indicating HCOD and initial documents package sent XX/XX/XXXX. Cleared exceptions

XX/XX/XXXX

Complete

This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to §XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXX(e)(X)(e)(X)(iii).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

Lender's title insurance increased from $XXX to $XXX.; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

This loan passed the charges that in total cannot increase more than XXX% test. (§XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

RESPA Homeownership Counseling Organizations Disclosure Date Test

Cleared

XX/XX/XXXX

RESPA Homeownership Counseling Organizations Disclosure Date Test

This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orthel homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.; Original application date is XX/XX/XXXX.

This loan passed the homeownership counseling organizations disclosure date test. ( §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX: Received trailing docs; Initial disclosure log from client indicating HCOD and initial documents package sent XX/XX/XXXX. Cleared exceptions

XX/XX/XXXX

Complete

This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.

Hazard insurance coverage is XXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XX/XX/XXXX

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

Back end DTI of XXX% exceeds allowable AUS of XXX% within the XXX% FNMA Tolerance, Exception Cleared. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

DTI variance due to liabilities. Per UW Conditions dated XX/XX/XXXX, a Credit supplement was required. Credit report provided included debts that are not included on the final XXX or AUS/DU. Please provide credit supplement. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX: Received trailing docs; in lieu of a credit supplement; the client provided an updated AUS / XXXX; Exception cleared. ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Cleared

XX/XX/XXXX

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Correcting receipt date input in LE/CD input; exception cleared

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Final Inspection Fee $XXX added to Closing Disclosure dated XX/XX/XXXX, No COC in file or proof a refund; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

This loan passed the charges that cannot increase test. (§XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX.

XX/XX/XXXX

Complete

This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home Loan

Cleared

XX/XX/XXXX

Home Loan

Home Loan
(§ XXXX, § XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

Informational purposes. Exception cleared

Complete

Home Loan
( XXX § X, § XXX)
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

Coverage amount covers replacement cost estimator value of XXX. Site value per appraisal is $XXX. Coverage is sufficient.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.

HOI is sufficient per FNMA G/L. Exception cleared

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX)

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Exception error

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Income Verification does not match Approval

Cleared

XX/XX/XXXX

Borrower Income Verification does not match Approval

XX/XX/XXXX: UW income calculations based on final approved income has not been provided. AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The borrower income verification does not match approval

The borrower income verification does match approval. QM worksheet provided in trailing docs. Client offset negative rental income with positive rental income. Applied as offset in liability screen to reflect the clients calculations; XX/XX/XXXX: Escalation: Reviewed file and was able to reconcile borrowers income. However, income used for the REO properties is unclear. the QM ATR worksheets provided do not match the AUS specified income amounts nor XXX recently received in trailing docs, nor does it match the figures used on the Final XXX. There are several REOs and business income omitted on one document, included on the next. Please provided the final income and debts worksheet that correlates to the figures used for approval or provide a breakdown of all income calculations. ; XX/XX/XXXX: Please provide the income calculations as per the approval

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Lender initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Lender initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Partial

Cleared

XX/XX/XXXX

Transmittal Summary is Partial

XX/XX/XXXX: AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The transmittal summary is Partial. Loan amount on Transmittal is $XXX. Final executed Note is $XXX

XX/XX/XXXX: Received trailing docs; Transmittal XXX; Exception cleared. ; The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX% + XXX% allowance or XXX ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; XX/XX/XXXX: Escalation: Reviewed file and was able to reconcile borrowers income. However, income used for the REO properties is unclear. the QM ATR worksheets provided do not match the AUS or XXX recently received in trailing docs, nor does it match the figures used on the Final XXX. There are several REOs and business income omitted on one document, included on the next. Please provided the final income and debts worksheet that correlates to the figures used for approval. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX% + XXX% allowance or XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

XX/XX/XXXX: AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The AUS is Partial. Approved loan amount is $XXX. Final executed Note is at $XXX

XX/XX/XXXX: Received trailing docs; AUS#X; Exception cleared. ; The AUS is received.

XX/XX/XXXX

Complete

The AUS is received.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX: Exception is for the discount points increase on C XX/XX/XXXX form $XXX to $XXX and a valid COC is not present. Please provide COC, PCCD or Reimbursement to the borrower. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Cleared

XX/XX/XXXX

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX, 'Closing Disclosure' at XX/XX/XXXX, 'Closing Disclosure' at XX/XX/XXXX

Original PI Payment on Note matches Final CD

XX/XX/XXXX

Complete

Original PI Payment on Note matches Final CD

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3))

Cleared

XX/XX/XXXX

Qualified Mortgage Points and Fees Finding (XX CFR Â§XXXX(e)(X))

Subject loan's points and fees exceed the qualified mortgage points and fees threshold.

Corrected.

XX/XX/XXXX

Complete

Corrected.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home loan Toolkit is Missing

Cleared

XX/XX/XXXX

Home loan Toolkit is Missing

The home loan toolkit is Missing

The home loan toolkit received.

XX/XX/XXXX

Complete

The home loan toolkit received.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Housing history does not meet guidelines

Cleared

XX/XX/XXXX

Housing history does not meet guidelines

Housing history does not meet guidelines. DU in file required verification of Mortgage History of XXX for creditor XXX and that verification is not in the loan file.

XX/XX/XXXX: Received trailing docs. verification of ownership for property at XXX showing borrower as joint owner and mortgage statement with escrow. Exception cleared

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Discounts point increased from $XXX to $XXX. Need COC to support increase or Post Closing CD or proof or reimbursement to Borrower.; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX: Received COCs dated XX/XX/XXXX and XX/XX/XXXX, rate lock dated XX/XX/XXXX, sign log and conversation log in trailing docs. Exception cleared.; This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Lender Credits That Cannot Decrease Test

Cleared

XX/XX/XXXX

Lender Credits That Cannot Decrease Test

This loan failed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX: Received COCs dated XX/XX/XXXX and XX/XX/XXXX, rate lock dated XX/XX/XXXX, sign log and conversation log in trailing docs. Exception cleared.; This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

This loan passed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

CoBorrower Employment Verification does not meet guidelines

Cleared

XX/XX/XXXX

CoBorrower Employment Verification does not meet guidelines

WX not provided; X paystub provided. Need copy of WX's and additional paystub.

Corrected: DU section XXX is satisfied with WVOE; exception cleared.

XX/XX/XXXX

Complete

Corrected: DU section XXX is satisfied with WVOE; exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Employment Verification does not meet guidelines

Cleared

XX/XX/XXXX

Borrower Employment Verification does not meet guidelines

WX not provided; X paystub provided. Need copy of WX's and additional paystub.

Corrected: DU section XXX is satisfied with WVOE; exception cleared.

XX/XX/XXXX

Complete

Corrected: DU section XX is satisfied with WVOE; exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

Please provide the transmittal summary that corresponds with the approved AUS #X ; The transmittal summary is Missing

XX/XX/XXXX: Received trailing docs; Transmittal XXX; Exception cleared. ; The transmittal summary is Present

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX)

DU approved; Exception cleared.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home loan Toolkit is Missing

Cleared

XX/XX/XXXX

Home loan Toolkit is Missing

The home loan toolkit is Missing

XX/XX/XXXX: Received trailing docs; HLTK; Exception cleared. ; The home loan toolkit received.

XX/XX/XXXX

Complete

The home loan toolkit received.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Not applicable; AUS approved. Exception cleared

DU Approved, not applicable.

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.

Third Party Valuation Product Provided; Received trailing docs; CDA; Exception cleared.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided; Received trailing docs; CDA; Exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Third Party Valuation Product Not Provided and CU Score is XXX.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Late Fees Test

Cleared

XX/XX/XXXX

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))For loans with a date creditor received application on or after XXX :When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

XX/XX/XXXX

Complete

This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

The loan meets all applicable credit guidelines.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared.

DU Approved, not applicable.

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

The loan meets all applicable credit guidelines.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Effective Date is after the Note Date

Cleared

XX/XX/XXXX

Hazard Insurance Effective Date is after the Note Date

.; The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX

XX/XX/XXXX: Received trailing docs; HOI coverage date back to XX/XX/XXXX; Exception cleared. ; Received trailing docs; HOI coverage dating back to XX/XX/XXXX.

XX/XX/XXXX

Complete

Received trailing docs; HOI coverage dating back to XX/XX/XXXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

please provide transmittal XXX that aligns with AUS/DU Sub#X; The transmittal summary is Missing

The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Lender did not provide ATR/QM Status Determination

Cleared

XX/XX/XXXX

Lender did not provide ATR/QM Status Determination

Lender did not provide ATR/QM Status Determination; Please provide QM /ATR final designation (high cost analysis)

Lender ATR/QM status determination provided.

XX/XX/XXXX

Complete

Lender ATR/QM status determination provided.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Income Verification does not match Approval

Cleared

XX/XX/XXXX

Borrower Income Verification does not match Approval

Cash analysis provided does not reflect the final program calculations. Please provide the final cash analysis. The borrower income verification does not match approval

The borrower income verification does match approval; Received XXX and QM worksheet in trailing docs; Exception cleared.

XX/XX/XXXX

Complete

The borrower income verification does match approval; Received XXX and QM worksheet in trailing docs; Exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX)

Not applicable/AUS -DU approved. Exception cleared

Complete

Change status of 'Regulation §XXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XXX%.' from Active to Open Rebuttal.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXXX and Future PITI XXX)

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Notice of Special Flood Hazards is Partial

Cleared

XX/XX/XXXX

Notice of Special Flood Hazards is Partial

Notice of special flood hazards is present but not signed/acknowledged by the borrowers as required by NFIP/FDPA. Please provide the signed copay of the Notice to borrower; The notice of special flood hazards is Partial

The notice of special flood hazards is Present; XX/XX/XXXX: Received trailing docs; EO compliance agreement; client sending corrected XXX. Exception pending receipt of delivery. ; XX/XX/XXXX: Please provide the signed Notice to borrower of special flood hazards disclosure

XX/XX/XXXX

Complete

The notice of special flood hazards is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Flood Insurance Policy is Missing

Cleared

XX/XX/XXXX

Flood Insurance Policy is Missing

please provide a copy of the effective flood policy. ; The flood insurance policy is Missing

The flood insurance policy is Present

XX/XX/XXXX

Complete

The flood insurance policy is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX: Received trailing docs; Valid COC dated XX/XX/XXXX. Exception cleared; This loan passed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.

XX/XX/XXXX

Complete

This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX: Received trailing docs; Valid COC dated XX/XX/XXXX. Exception cleared; This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

UCDP Summary Report is Missing

Cleared

XX/XX/XXXX

UCDP Summary Report is Missing

The SSR indicator is Missing

The SSR indicator is Present; XX/XX/XXXX: Received in trailing docs. Exception cleared.

XX/XX/XXXX

Complete

The SSR indicator is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

Please provide sufficient title policy that is equal to or greater than the executed Note; The following issues were noted: The title policy amount is not equal to or greater than the executed Note. Title policy is in the amount of $XXX. The Note is in the amount of $XXX.

XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared

XX/XX/XXXX

Complete

XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TX Constitution A6 Total Indebtedness Test

Void

XX/XX/XXXX

TX Constitution A6 Total Indebtedness Test

This loan failed the total indebtedness test due to one of the following findings:
(XXX Constitution, Article XXX, Section XXX (a)(X)(B), as amended XXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XXX% of the fair market value of the homestead on the date the extension of credit is made. No CLTV ratio was provided. For XXX Constitution XXX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XXX% of the fair market value of the homestead on the date the extension of credit is made.

Exception error

Complete

This loan failed the total indebtedness test due to one of the following findings:
(XXX Constitution, Article XX, Section XX (a)(X)(B), as amended Sept. XXXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made. No CLTV ratio was provided. For XXX Constitution XXX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX); DU approved.

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XX/XX/XXXX: Received trailing docs: LOE of Lender credit that was issued to cover the amount of the mortgage recording fee increase that exceed the XXX% tolerance. Re-ran CE and cleared exception. ; This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX)

DU approved, not applicable. Exception cleared.

XX/XX/XXXX

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home loan Toolkit is Missing

Cleared

XX/XX/XXXX

Home loan Toolkit is Missing

The home loan toolkit is Missing; The Tool Kit is missing from the loan file.

The home loan toolkit received.

XX/XX/XXXX

Complete

The home loan toolkit received.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

Please provide sufficient title policy that is equal or greater than the executed Note ; The following issues were noted: Title policy provided is in the amount of $XXX which is not equal or greater than the executed Note amount of $XXX

Received trailing docs; sufficient title policy

XX/XX/XXXX

Complete

Received trailing docs; sufficient title policy

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX variance allowance.

XX/XX/XXXX: Rebuttal Research -Exception cleared for DTI. Positive REO was used to offset the Neg REO properties. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

Please provide the post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XX/XX/XXXX: Received trailing docs; PCCD with Reimbursement - exception cleared. ; This loan passed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.; XX/XX/XXXX: Tolerance violation of $XXX, due to an increase in discount point from $XXX. to $XXX on the consummation CD dated XX/XX/XXXX, without a valid COC. Please provide a post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Please provide the post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Tolerance violation of $XXX, due to an increase in discount point from $XXX to $XXX without a valid COC.

XX/XX/XXXX: Received trailing docs; PCCD with Reimbursement - exception cleared. ; This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Tolerance violation of $XXX, due to an increase in discount point from $XX,XXXX. to $XXX on the consummation CD dated XX/XX/XXXX, without a valid COC. Please provide a post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Not applicable; Section B fees are not allocated to lender nor broker; exception cleared

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section G. Initial Escrow Payment At Closing" Validation Test

Cleared

TRID "Section G. Initial Escrow Payment At Closing" Validation Test

No reserves disclosed in Section G. HOI paid at closing & there are no escrows.

Escrow waiver present; Page X of Final CD indicates Borrower declined. No escrows collected at closing. Exception cleared.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

System error, exception generated in error

Not applicable/AUS-DU approved; Exception cleared

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

The AUS is Partial. Final AUS-DU has not been provided.

XX/XX/XXXX: Received trailing docs; Final AUS; exception cleared ; The AUS is received in trailing docs. Exceptions cleared

XX/XX/XXXX

Complete

The AUS is received in trailing docs. Exceptions cleared

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

Provide final AUS; The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX: Received trailing docs; Final AUS; exception cleared ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

CLTV Exceeds the AUS Maximum Allowable

Cleared

XX/XX/XXXX

CLTV Exceeds the AUS Maximum Allowable

The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX; The original CLTV of XXXX exceeds maximum allowable per AUS of XXX

The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX; The original CLTV of XXX exceeds maximum allowable per AUS of XXX; The original CLTV of XXX exceeds maximum allowable per AUS of XXX; The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Was lowest appraised value used to qualify is No

Cleared

XX/XX/XXXX

Was lowest appraised value used to qualify is No

Was lowest appraised value used to qualify is No. Two appraisals in file, however the lowest appraised value was not used to qualify.

XX/XX/XXXX: Received trialing docs; LOE for XXX appraisal was not due to lender requirement, rather additional comps added. CDA supports final value. Exception cleared. ; XX/XX/XXXX: Please provide LOE and/or supporting documentation for why a XXX appraisal by the same appraiser was completed and why the higher appraisal amount was used for approval

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

LTV Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

LTV Exceeds AUS Maximum Allowable

The original LTV of XXX is not greater than the maximum allowable per AUS of XXX; The original LTV of XXX exceeds the maximum allowable per AUS of XXX

The original LTV of XXX is not greater than the maximum allowable per AUS of XXX; The original LTV of XXX exceeds the maximum allowable per AUS of XXX; The original LTV of XXX exceeds the maximum allowable per AUS of XXX; The original LTV of XXX is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The original LTV of XXX is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: File does not contain a Title policy in the amount equal or greater than the Note amount of $XXX.

Received trailing docs, Final title policy in the amount equal or greater than the Note amount of $XXX has been provided. Exception cleared.

XX/XX/XXXX

Complete

Received trailing docs, Final title policy in the amount equal or greater than the Note amount of $XXX has been provided. Exception cleared.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Desk Review variance to appraised value exceeds 10%

Cleared

XX/XX/XXXX

Third Party Desk Review variance to appraised value exceeds 10%

Additional third party valuation requested to support value. Please provide TPV to support value of $XXXX

XX/XX/XXXX: Received trailing docs; CDA dated XX/XX/XXXX is for another borrower (XXX) and different property. Please provide the CDA for borrower XXX. Value must be within XXX% of the appraised value. ; Third party Desk Review variance of -XXX exceeds XXX% maximum allowed.; Additional third party valuation requested to support value.

XX/XX/XXXX

Complete

Additional third party valuation requested to support value.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Security Instrument Indicator is Missing

Cleared

XX/XX/XXXX

Security Instrument Indicator is Missing

The security instrument indicator is Missing

The security instrument indicator is Present; XX/XX/XXXX: Please provide missing mortgage or Deed of trust (Security instrument).

XX/XX/XXXX

Complete

The security instrument indicator is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Housing history does not meet guidelines

Cleared

XX/XX/XXXX

Housing history does not meet guidelines

Housing history does not meet guidelines. Only XXX months of rental history were provided for the borrowers previous primary address.

Housing delinquency meets guidelines. Exception cleared - invalid based on AUS findings.

XX/XX/XXXX

Complete

Housing delinquency meets guidelines. Exception cleared - invalid based on AUS findings.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

The exception 'No Compliance Findings' is cleared.

XX/XX/XXXX

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

The Appraisal fee increase does not have a Change of Circumstance.

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Active to Open Rebuttal.; This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; XX/XX/XXXX: Received trailing docs; LOE/COC

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Cleared

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

The fee for the Clear Capital Desk Review is showing as paid to the lender.; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.; Clerical error. Updated to clear exception.

XX/XX/XXXX

Complete

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

XX/XX/XXXX: Received trailing docs; XXX ; Exception cleared. ; The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Not applicable; all section set to Other; Exception cleared.

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

***Disregard exception, exception triggered in error. System error.***; This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

Exception error

Complete

This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: The XXXX policy dated XX/XX/XXXX is not equal to or greater than the Note amount. ; Please provide Final title policy in the amount equal to or greater than the executed Note.

XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared

XX/XX/XXXX

Complete

XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Documentation Type Test

Cleared

Documentation Type Test

Not applicable; Doc type is indicated as full doc. Exception cleared.

Informational purposes. Exception cleared

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Asset Documents are Incomplete

Cleared

XX/XX/XXXX

Asset Documents are Incomplete

Asset Documents are Incomplete: Documentation showing the sale of property XXX XXX is required showing amount paid to borrower. Final CE/Settlement Statement.

Received settlement statement for sale of departing property

XX/XX/XXXX

Complete

Received settlement statement for sale of departing property

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

The mortgage recording fees increased from $XXX on the LE XX/XX/XX to $XXX $XXX/borrower paid and $XX/seller paid on CD XX/XX/XX.

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Liquid Reserves (Dollar Amount) are less than AUS Minimum Required

Cleared

XX/XX/XXXX

Liquid Reserves (Dollar Amount) are less than AUS Minimum Required

Documentation showing the sale of property XXX XXX is required showing amount paid to borrower. Final CE/Settlement Statement.

The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.

XX/XX/XXXX

Complete

The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Insufficient cash to close.

Cleared

XX/XX/XXXX

Insufficient cash to close.

Documentation showing the sale of property XXX XXX is required showing amount paid to borrower. Final CE/Settlement Statement.

Sufficient cash to close is documented.

XX/XX/XXXX

Complete

Sufficient cash to close is documented.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home Loan

Cleared

XX/XX/XXXX

Home Loan

Home Loan
(XXX § X, XXX §XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

Change status of 'Home Loan' from Active to Acknowledged by Client.; Change severity of 'Home Loan' from Material to Non-Material.; N/A.

XX/XX/XXXX

Complete

Home Loan
(XXX § X, XXX))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX. DTI higher than final XXXX due to CoBorrower' s primary residence being included in the calculation. Subject loan is a second home.

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Partial

Cleared

XX/XX/XXXX

Final Loan Application is Partial

Final Loan Application is Partial. CoBorrower application, page XXXX, missing answers to some of the questions.

Final Loan Application is Present; XX/XX/XXXX: Received trailing docs; Final complete XXXX for Co-Bwr. Exception cleared.

XX/XX/XXXX

Complete

Final Loan Application is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX XXX Total Monthly Debt XXX and Future PITI XXX)

Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XX/XX/XXXX

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Not applicable/AUS -DU approved. Exception cleared; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

Not applicable/AUS -DU approved. Exception cleared

Complete

Change status of 'Regulation §XXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XXX%.' from Active to Open Rebuttal.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX + .XXX allowance (XXX). ;
; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX + .XXX allowance (FNMA).

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Please provide TPV; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

The AUS is Partial. AUS provided #X, #X, #X appear to not be the final approved AUS. ; Please provide the final Approved AUS-DU that correlates to final loan data.

The AUS is received. Received trailing docs; confirmed AUS #XXX is final; Exception cleared.

XX/XX/XXXX

Complete

The AUS is received. Received trailing docs; confirmed AUS #X is final; Exception cleared.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Home Loan

Cleared

XX/XX/XXXX

Home Loan

Home Loan
(XXX § X, XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

Informational purposes. Exception cleared

Complete

Home Loan
(XXX § §XXX)
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Note Document Indicator is Partial

Cleared

XX/XX/XXXX

Note Document Indicator is Partial

Note document not signed by coborrower

XX/XX/XXXX: Received trailing docs: Fully executed Note with both borrowers signature. Exception cleared; Note document indicator is Present

XX/XX/XXXX

Complete

Note document indicator is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Note is not executed by all borrowers

Cleared

XX/XX/XXXX

Note is not executed by all borrowers

Note is not executed by all borrowers. Coborrower did not sign

XX/XX/XXXX: Received trailing docs: Fully executed Note with both borrowers signature. Exception cleared; Note is executed by all borrowers

XX/XX/XXXX

Complete

Note is executed by all borrowers

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Appraisal guideline violation

Cleared

XX/XX/XXXX

Appraisal guideline violation

External obsolescence present indicator is Yes
Appraisal does not state the bedroom/bathroom count for subject property. Subject pictures reflects XXXX bedrooms and XX baths.; Appraisal guideline violation:

XX/XX/XXXX: Rebuttal; Review of the appraisal does not indicate any external obsolescence that would impact the value. Bedrooms are documented within comments. Exception cleared. ; Appraisal guideline violation is now acceptable.

XX/XX/XXXX

Complete

Appraisal guideline violation is now acceptable.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Minimum Trade Line Requirement Not Met

Cleared

XX/XX/XXXX

Minimum Trade Line Requirement Not Met

Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Borrower has X open line. X closed (PIF lines) closing in XXX. Minimum requirement is XXX open trades.

Borrower(s) have met the minimum tradeline requirement per lender guidelines.

XX/XX/XXXX

Complete

Borrower(s) have met the minimum tradeline requirement per lender guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

XX/XX/XXXX: Received trailing docs; CA XXX disclosure; Exception cleared. ; The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Not appliable, AUS approved, Exception cleared.

DU Approved, not applicable.

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Not applicable; AUS DU approved. Exception cleared

DU Approved, not applicable.

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

Cleared

XX/XX/XXXX

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

XX/XX/XXXX: Exception cleared; File Receipt date XX/XX/XXXX, PCCD & Refund XX/XX/XXXX

XX/XX/XXXX

Complete

This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Discount points increased on CD XX/XX/XXXX by $XXX. Please provide valid COC, PCCD or reimbursement to the borrower. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Discount points increased from $XXX to $XXX no COC in file of proof a refund was issued for $XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Third Party Valuation Product Not Provided and CU Score is XXX.

XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.

XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided

XX/XX/XXXX

Complete

Third Party Valuation Product Provided

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.

XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Partial

Cleared

XX/XX/XXXX

Transmittal Summary is Partial

The transmittal summary is Partial. Need final XXX reflecting the Note rate of XXX% and PITI of $XXX.

The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

The AUS is Partial. Need final DU reflecting the Note rate of XXX% and PITI of $XXX.

The AUS is received in trailing docs

XX/XX/XXXX

Complete

The AUS is received in trailing docs

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

Need escrow waiver for taxes and hazard insurance. The only thing being escrowed is flood insurance.; The escrow waiver disclosure is Missing

The escrow waiver disclosure is Not Applicable; XX/XX/XXXX: Received trailing docs; LOE for escrow waived. IEAD shows only flood being escrowed. Though the LE/CD , First payment letter reflect the taxes/insurance are not escrowed, the file is missing the escrow waived election disclosure and /or the indicator is not complete on page X of the closing disclosures. Please provide the waiver/election disclosure.

XX/XX/XXXX

Complete

The escrow waiver disclosure is Not Applicable

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Cleared

XX/XX/XXXX

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Clear exception.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)

Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of ___ is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI ___)

XX/XX/XXXX

Complete

Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of ___ is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI ___)

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: Alta Supplement policy is the amount is $XXX is not equal to or greater than the executed Note amount of $XXXX

XX/XX/XXXX: Received trailing docs; Title; Exception cleared; Received trailing docs; Sufficient title policy. ; Please provide sufficient title policy that is equal to or greater than the executed Note.

XX/XX/XXXX

Complete

Received trailing docs; Sufficient title policy.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

Received trailing docs. Additional CD and COC. Exception cleared.

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

Cleared

XX/XX/XXXX

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXX(e)(X)(I) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to §XXX(e)(X)(I) (revised loan estimate disclosure) and §XXX(e)(X)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX(e)(X)(I) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX(e)(X)(I) reflecting the revised estimate either: Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e)(X)(iv)(A) through (C), (E) and (F) applies; or No later than three business days after the date the interest rate is locked, for revision provided under §XXX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX(e)(X)(I) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(X), lender credits, and any other interest rate dependent charges and terms. Official InterpretationsXX C.F.R. §XXX(e)(X)(ii)Relationship to disclosures required under §XXX(f)(X)(I).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e)(X)(I) on or after the date on which the creditor provides the disclosures required under §XXX(f)(X)(I)...However, if a creditor uses a revised estimate pursuant to § XXX(e)(X)(iv) for the purpose of determining good faith under § XXX(e)(X)(I) and (ii), § XXX(e)(X)(I) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(X)(I) (including any corrected disclosures provided under § XXX(f)(X)(I) or (ii)).

This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested; XX/XX/XXXX: Received trailing docs; additional CD and COCs; Exception cleared.

XX/XX/XXXX

Complete

This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees Test

Cleared

XX/XX/XXXX

Prohibited Fees Test

This loan failed the prohibited fees test.
The loan charges a prohibited fee based on one or more the following findings:
The loan charged more than one appraisal fee. (XXX Fin. Code §XXX)The lender collected an "unreasonable" escrow or escrow related fee. The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (XXX Fin. Code §XXX). (XXX Fin. Code §XXX)The lender retained any statutory fees to be paid to a public officer. (XX CCR §XXX)The lender retained the notary fee. (XX CCR §XXX)

This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.

XX/XX/XXXX

Complete

This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

The loan is in compliance with all applicable laws and regulations.;

XX/XX/XXXX

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Lender Credits That Cannot Decrease Test

Cleared

XX/XX/XXXX

Lender Credits That Cannot Decrease Test

This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; additional CD and COCs; Exception cleared.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Partial

Cleared

XX/XX/XXXX

Transmittal Summary is Partial

Provide final transmittal with correct loan amount of $XXX not $XXX.; The transmittal summary is Partial- provide final with correct loan amount

The transmittal summary is Present; XX/XX/XXXX: Provide final XXXX with the executed loan amount.; XX/XX/XXXX: Provide final XXXX with the executed loan amount.

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Title Policy is Partial

Cleared

XX/XX/XXXX

Title Policy is Partial

Provide title commitment with correct loan amount of $XXX; Title policy is Partial- correct loan amount should be $XXX

XX/XX/XXXX: Received trailing docs; FTP ; Exception cleared; Title policy is Present; XX/XX/XXXX: Please provide title with sufficient policy amount that is equal to or greater than the executed Note

XX/XX/XXXX

Complete

Title policy is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

CoBorrower Employment Verification does not meet guidelines

Cleared

XX/XX/XXXX

CoBorrower Employment Verification does not meet guidelines

WVOE -XXX Investments-provide correction for year to date totals; WVOE for XXX Investments-provide correction showing year to date total

Received WVOE in trailing docs; XX/XX/XXXX: Received trailing docs; WVOE;Exception cleared.

XX/XX/XXXX

Complete

Received WVOE in trailing docs

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Housing history does not meet guidelines

Cleared

XX/XX/XXXX

Housing history does not meet guidelines

Housing history does not meet guidelines. Provide XX months of borrower rental history.

Exception cleared; Housing delinquency meets guidelines. First time home buyer. Not applicable per DU approval

XX/XX/XXXX

Complete

Exception cleared; Housing delinquency meets guidelines. First time home buyer. Not applicable per DU approval

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

DTI Exceeds AUS Maximum Allowable

Corrected. Verified DTI XXX% per DU. Exception cleared

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees Test

Cleared

XX/XX/XXXX

Prohibited Fees Test

This loan failed the prohibited fees test. (XXX. §XXX, XXX §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (XXX) application fee; and (XXX) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points

Prohibited Fees have been reviewed and reported accurately.

Complete

This loan failed the prohibited fees test. (XXX. §XXX, XXX. §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Security Instrument Indicator is Partial

Cleared

XX/XX/XXXX

Security Instrument Indicator is Partial

The security instrument indicator is Partial. Missing Security Instrument with the corrected address of XXX.

Received executed Deed of Trust

Complete

The security instrument indicator is Partial. Missing Security Instrument with the corrected address of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Lender Credits That Cannot Decrease Test

Cleared

XX/XX/XXXX

Lender Credits That Cannot Decrease Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Page XXX Borrower Credit Report XX Secured account last reported XXX. Documentation account closed not in images.

Borrower liabilities verified indicator is Present; XX/XX/XXXX: Rebuttal- after further review, No exception present. Exception cleared

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

Title Issues Present

please provide final Title policy in the amount equal to or greater than the executed Note of $XXX; The following issues were noted: Page XXX Title requirements XXX, supplement removing requirements missing from images. Pages XXX & XXX Sellers CD and Estimated Settlement Statement do show Seller Paid Property Taxes and fee for Retrofit which may have fulfilled requirements XXX. Final Title Policy not in images.

Received Final Title policy

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees First Lien Test

Void

XX/XX/XXXX

Prohibited Fees First Lien Test

This loan failed the first lien prohibited fees test. (MRS § XXX)
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a X% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed X% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.
This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.

Exception error

Complete

This loan failed the first lien prohibited fees test. ( § XXX X.)
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a XXX% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed XXX% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.
This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of ___.; Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.

XX/XX/XXXX

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

The transmittal summary is Missing

The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

AUS is Partial

Cleared

XX/XX/XXXX

AUS is Partial

The AUS is Partial. the AUS provided does not appear to be the final DU approval.

XX/XX/XXXX: Received trailing docs; Final AUS; Exception cleared; The AUS is received. Received trailing docs; Final AUS; XX/XX/XXXX: Please provided the approved AUS- DU

XX/XX/XXXX

Complete

The AUS is received. Received trailing docs; Final AUS

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Notice of Special Flood Hazards is Partial

Cleared

XX/XX/XXXX

Notice of Special Flood Hazards is Partial

The notice of special flood hazards is Partial

The notice of special flood hazards is Present

XX/XX/XXXX

Complete

The notice of special flood hazards is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: The file title policy in the amount equal to or greater than the executed Note has not been provided.

Received trailing doc; Sufficient title policy; Exception cleared. ; Received trailing docs. Sufficient title policy.

XX/XX/XXXX

Complete

Received trailing docs. Sufficient title policy.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Colo. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided

Cleared

XX/XX/XXXX

Colo. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided

Cosigner Notice Disclosure was provided; XXX. § XXX - Cosigner Notice Disclosure was not provided

Cosigner Notice Disclosure was provided

XX/XX/XXXX

Complete

Cosigner Notice Disclosure was provided

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Cosigner Notice Disclosure is Missing

Cleared

XX/XX/XXXX

Cosigner Notice Disclosure is Missing

The cosigner notice disclosure is Missing

The cosigner notice disclosure is Not Applicable

XX/XX/XXXX

Complete

The cosigner notice disclosure is Not Applicable

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

Cleared

XX/XX/XXXX

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

Received trailing docs LOE and COC of extension. Exception Cleared

Complete

This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Please provide post closing CD, Change of Circumstance or proof of reimbursement to borrower. ; Tolerance violation due to addition of discount points totaling $XXX without a valid COC or rate lock. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX: Received trailing docs; COC; updated accordingly; Exception cleared. ; This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

XX/XX/XXXX

Complete

The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; This loan failed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Cleared

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Exception error

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

HAZARD INSURANCE CERTIFICATE MISSING

Cleared

XX/XX/XXXX

HAZARD INSURANCE CERTIFICATE MISSING

please provide current homeowners policy

XX/XX/XXXX: Received trailing docs;HOI is present ; Received copy of hazard insurance certificate

XX/XX/XXXX

Complete

Received copy of hazard insurance certificate

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

The loan meets all applicable credit guidelines.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Right to Cancel is Missing

Cleared

XX/XX/XXXX

Right to Cancel is Missing

please provide the right to cancel.

XX/XX/XXXX: Received trailing docs; RTC is present and compliant. ; The right to cancel is Present

XX/XX/XXXX

Complete

The right to cancel is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Right to Cancel Transaction Date is different from the Transaction Date

Cleared

Right to Cancel Transaction Date is different from the Transaction Date

Received trailing docs. RTC is present and compliant

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; XX/XX/XXXX: Rebuttal-updated Attorney fees to be included in APR; Exception cleared.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

The loan meets all applicable credit guidelines.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX: Rebuttal-updated Attorney fees to be included in APR; Exception cleared.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower residency documentation not provided or issue with documentation

Cleared

XX/XX/XXXX

Borrower residency documentation not provided or issue with documentation

Borrower residency documentation not provided or issue with documentation.

Borrower residency documentation has been provided and there are no issues with documentation. ; XX/XX/XXXX: Please provide residency documentation for the primary borrower. The Final XXX indicates she is a XXX, while the ID/data verify show she is a XXX resident.

XX/XX/XXXX

Complete

Borrower residency documentation has been provided and there are no issues with documentation.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consummation or Reimbursement Date Validation Test

Cleared

XX/XX/XXXX

Consummation or Reimbursement Date Validation Test

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

The loan discount points increased to $XXX on the initial CD issued XX/XX/XXXX and a cost to cure reimbursement was provided on the CD in the amount of $XXX, however, on the revised CD issued XX/X/XXXX, the cost to cure reimbursement was removed but the loan discount points fee stayed the same. There was no valid change of circumstance provided in the loan file within X days of the change.; This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

The loan discount points increased to $XXX on the initial CD issued XX/XX/XXXX and a cost to cure reimbursement was provided on the CD in the amount of $XXX, however, on the revised CD issued XX/X/XXXX, the cost to cure reimbursement was removed but the loan discount points fee stayed the same. There was no valid change of circumstance provided in the loan file within X days of the change.; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Borrower liabilities verified indicator is Partial: Address is missing on lease.... Please provide address on lease.

Borrower liabilities verified indicator is Present

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Desk Review variance to appraised value exceeds 10%

Cleared

XX/XX/XXXX

Third Party Desk Review variance to appraised value exceeds 10%

Third party Desk Review variance of XXX exceeds XXX% maximum allowed.

Additional third party valuation requested to support value.

XX/XX/XXXX

Complete

Additional third party valuation requested to support value.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Please provide Third Party Valuation.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.

XX/XX/XXXX: Rebuttal - Confirmed the URAR appraisal desk review meets guideline requirement and is acceptable. Exception cleared. ; Third Party Valuation Product Provided; Confirmed URAR in file is acceptable; Exception cleared. ; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product Provided; Received in trailing docs

XX/XX/XXXX

Complete

Third Party Valuation Product Provided; Confirmed URAR in file is acceptable; Exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Please provide Third Party Valuation.; Third Party Valuation Product Not Provided and CU Score is XXX.

XX/XX/XXXX: Rebuttal - Confirmed the URAR appraisal desk review meets guideline requirement and is acceptable. Exception cleared. ; Third Party Valuation Product Provided.; XX/XX/XXXX: Received trailing docs; CDA. We are still pending a valid Third party valuation as required by the guidelines. CU score is XXX. Please provide a valuations provided by a third party. ; Third Party Valuation Product Not Provided and CU Score is XXX.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.; Site value per appraisal is $XXX with coverage of $$XXX and replacement value of $XXX, coverage is sufficient. Exception cleared.

XX/XX/XXXX

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Cleared

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Borrower liabilities verified indicator is Partial. Provide proof of the HOA for the borrowers investment property.

Borrower liabilities verified indicator is Present

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

The Final Inspection Fee in the amount of $XXX is not disclosed on the initial LE and there is no change of circumstance. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

HOI is sufficient per FNMA G/L. Exception cleared

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient.

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient.

Change severity of 'Hazard Insurance Coverage is Not Sufficient.' from Material to Non-Material.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.

XX/XX/XXXX: Received trailing docs; RCE - policy has extended replacement coverage above Dwelling A. Exception cleared. ; Hazard insurance coverage is sufficient.

XX/XX/XXXX

Complete

Hazard insurance coverage is sufficient.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Missing

Cleared

XX/XX/XXXX

Final Loan Application is Missing

Final loan application is Missing

XX/XX/XXXX: Received trailing docs; Final ; Exception cleared; Final loan application is Present

XX/XX/XXXX

Complete

Final loan application is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Partial

Cleared

XX/XX/XXXX

Final Loan Application is Partial

Missing pages XXX of Final XXX. Pages XXX only located in file. Lender to provide.

XX/XX/XXXX: Received trailing docs; Final XXX pages XXX; Exception cleared. ; Final Loan Application is Present

XX/XX/XXXX

Complete

Final Loan Application is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

No Compliance Findings

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

No Credit Findings

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Cleared

XX/XX/XXXX

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Change severity of 'Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure' from Material to Non-Material.; Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX

Original PI Payment on Note matches Final CD

XX/XX/XXXX

Complete

Original PI Payment on Note matches Final CD

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.

Third Party Valuation Product Provided in trailing docs

XX/XX/XXXX

Complete

Third Party Valuation Product Provided in trailing docs

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Disclosure Delivery and Receipt Date Validation Test

Cleared

XX/XX/XXXX

TRID Disclosure Delivery and Receipt Date Validation Test

This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings: The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orthel Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orthel Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date.

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Third Party Valuation Product Not Provided and CU Score is XXX.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Missing

Cleared

XX/XX/XXXX

Final Loan Application is Missing

XX/XX/XXXX: Missing a complete final XXX. Please provide.; Final loan application is Missing

Final loan application is Present

XX/XX/XXXX

Complete

Final loan application is Present

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Initial Escrow Account Disclosure is Missing

Cleared

XX/XX/XXXX

Initial Escrow Account Disclosure is Missing

XX/XX/XXXX: Missing initial escrow account disclosure. Confirmed loan closed with escrow. Please provide.; The initial escrow account disclosure is Missing

The initial escrow account disclosure is Present

XX/XX/XXXX

Complete

The initial escrow account disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Indicator is Partial

Cleared

XX/XX/XXXX

Hazard Insurance Indicator is Partial

Hazard insurance indicator is Partial. Missing a copy of the hazard insurance policy.

Hazard insurance indicator is Present

XX/XX/XXXX

Complete

Hazard insurance indicator is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: Policy is insufficient and not equal to nor greater than the executed Note.

Received trailing docs; Title policy; XX/XX/XXXX: Please provide the sufficient title policy/supplemental that is equal to or greater than the executed Note of $XXX

XX/XX/XXXX

Complete

Received trailing docs; Title policy

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Tolerance violation due to increase in appraisal fee from $XXX to $XXX without a valid COC. ; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Void

XX/XX/XXXX

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Disregard exception triggered in error; The Initial CD reflects a VOE fee of $XX paid to XXX in the Section B Services Borrower Did Not Shop for section. This was removed on the Final CD.; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

Exception error

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

The transmittal summary is Missing

The transmittal summary is Present; XX/XX/XXXX: Please provide final transmittal

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Income Verification is less than 12 months

Cleared

XX/XX/XXXX

Borrower Income Verification is less than 12 months

Borrower Income Verification of XXX is less than XX months. Only income is verified for the current job started on XX/XX/XX.

Income Verification of XXX is greater than XXX months.; Borrower Income Verification of XXX is less than XXX months.; XX/XX/XXXX: Received trailing docs; LOE of employment. This document was present in file. However per DU section XXX - Document for Bwr XXX, a paystub and a w-2 from prior year or the standard verification of employment (XXX). If W-X not provided, which in this case is applicable, DU requests a determination income is acceptable per the FNMA SGuide. the Selling guide requires a min of the most recent one year period of income. The file only contains income from XX/XX/XXXX through XX/XX/XXXX. Please send income documents that satisfy DU #XXX requirement or explanation for client exception.; XX/XX/XXXX: Received trailing docs; LOE of employment. This document was present in file. However per DU section XXX - Document for Bwr XXX, a paystub and a w-2 from prior year or the standard verification of employment (XXX). If W- not provided, which in this case is applicable, DU requests a determination income is acceptable per the FNMA SGuide. the Selling guide requires a min of the most recent one year period of income. The file only contains income from XX/XX/XXXX through XX/XX/XXXX. Please send income documents that satisfy DU #XXX requirement or explanation for client exception.

XX/XX/XXXX

Complete

Income Verification of XXX is greater than XXX months.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

XX/XX/XXXX: Received trailing docs; RCE; Exception cleared; Hazard insurance coverage is XXXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXXX.

XX/XX/XXXX

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Void

XX/XX/XXXX

TILA Finance Charge Test

This loan failed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from XX CFR §XXXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX.; This loan passed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from XX CFR §XXXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.

Exception error

Complete

This loan failed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from XX CFR §XXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5

Please provide Desk Review.; Third Party Valuation Product Not Provided and CU Score is XXX.

XX/XX/XXXX: Received trailing docs; CDA provided; exception cleared. ; Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Please provide Desk Review.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.

XX/XX/XXXX: Received trailing docs; CDA provided; exception cleared. ; Third Party Valuation Product Provided in trailing docs

XX/XX/XXXX

Complete

Third Party Valuation Product Provided in trailing docs

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees Test

Cleared

XX/XX/XXXX

Prohibited Fees Test

Correspondent loan, fee permissible. Exception cleared.; This loan failed the prohibited fees test. (XXX §XXX, XXX §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A person licensed as a mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points

Prohibited Fees have been reviewed and reported accurately.

Complete

This loan failed the prohibited fees test. (XXX. §XXX, XXX. §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A person licensed as a mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing. Need executed final CD dated XX/XX/XXXX.

XX/XX/XXXX: Received trailing docs; CA XXX Account statement; Exception cleared. ; The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; Missing proof of evidence to support omission of XXX #XXX. Please provide.

XX/XX/XXXX: Received trailing docs; LOE and bank statement confirming debts to business. Exception cleared; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

LTV Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

LTV Exceeds AUS Maximum Allowable

Verifi rounding, not applicable. Clear Exception.; The original LTV of XXX exceeds the maximum allowable per AUS of XXX

Meets G/L requirements

Complete

The original LTV of XXX exceeds the maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

CLTV Exceeds the AUS Maximum Allowable

Cleared

XX/XX/XXXX

CLTV Exceeds the AUS Maximum Allowable

Verifi rounding, not applicable. Clear Exception.; The original CLTV of XXX exceeds maximum allowable per AUS of XXX

Meets G/L requirements

Complete

The original CLTV of XXX exceeds maximum allowable per AUS of XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Cleared

XX/XX/XXXX

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX

Original PI Payment on Note matches Final CD

XX/XX/XXXX

Complete

Original PI Payment on Note matches Final CD

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Rescission Total of Payments Test

Cleared

XX/XX/XXXX

TRID Rescission Total of Payments Test

This loan passed the TRID rescission total of payments test. ( XX CFR §XXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.

This loan failed the TRID rescission total of payments test. ( XX CFR §XXXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is understated by more than XXX percent of the face amount of the note or $XXX, whichever is greater.

XX/XX/XXXX

Complete

This loan passed the TRID rescission total of payments test. ( XX CFR §XXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That In Total Cannot Increase More Than 10% Test

Cleared

XX/XX/XXXX

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).

XX/XX/XXXX

Complete

This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees Test

Cleared

XX/XX/XXXX

Prohibited Fees Test

This loan failed the prohibited fees test. (XXX. §XX:XXC-XX, XXX. §§X:X-XX.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points

This loan passed the prohibited fees test. (XXX §XXX, XXX. §§XXX)The loan does not charge a fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points

XX/XX/XXXX

Complete

This loan passed the prohibited fees test. (XXX §XXX, XXX. §§XXX)The loan does not charge a fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Rescission Finance Charge Test

Cleared

XX/XX/XXXX

TILA Rescission Finance Charge Test

This loan passed the TILA rescission finance charge test.( XX CFR §XXX(g)(X) , transferred from XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.

This loan passed the TILA rescission finance charge test.( XX CFR §XXXX(g)(X) , transferred from XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.; This loan failed the TILA rescission finance charge test.( XX CFR §XXXX(g)(X) , transferred from XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater.

XX/XX/XXXX

Complete

This loan passed the TILA rescission finance charge test.( XX CFR §XXX(g)(X) , transferred from XX CFR §XXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consummation or Reimbursement Date Validation Test

Cleared

XX/XX/XXXX

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Balance Sheet Does Not Meet Guidelines

Cleared

XX/XX/XXXX

Balance Sheet Does Not Meet Guidelines

Balance Sheet Does Not Meet Guidelines.; Balance Sheet not provided

Corrected: Business liquidity analysis provided; XX/XX/XXXX: Exception cleared; DU section XX requirements have been met. XXX year complete tax returns and cash analysis or similar.

XX/XX/XXXX

Complete

Corrected: Business liquidity analysis provided

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Disclosure Delivery and Receipt Date Validation Test

Cleared

XX/XX/XXXX

TRID Disclosure Delivery and Receipt Date Validation Test

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Total of Payments Test

Cleared

XX/XX/XXXX

TRID Total of Payments Test

This loan passed the TRID total of payments test. ( XX CFR §XXX(o)(X) )The total of payments is $XXXX. The disclosed total of payments of $XXXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.

This loan failed the TRID total of payments test. ( XX CFR §XXXX(o)(X) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

This loan failed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XX/XX/XXXX

Complete

This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Profit and Loss Does Not Meet Guidelines

Cleared

XX/XX/XXXX

Profit and Loss Does Not Meet Guidelines

Profit and Loss Does Not Meet Guidelines; P&L Statement not provided

Corrected: Not required per DU approval ; XX/XX/XXXX: Exception cleared; DU section XXX requirements have been met. XXX year complete tax returns and cash analysis or similar.

XX/XX/XXXX

Complete

Corrected: Not required per DU approval

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: Final title policy in the amount equal to or greater than the executed Note is not present.

Received trailing docs; Final title policy

XX/XX/XXXX

Complete

Received trailing docs; Final title policy

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Collateral Protection Act 815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided

Cleared

XX/XX/XXXX

Collateral Protection Act 815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided

Collateral Protection Act, XXX Ill. Comp. Stat. XXX et seq. - Collateral Protection Notice was not provided

XX/XX/XXXX: Received trailing docs; Collateral Protection Notice; Exception cleared; Collateral Protection Notice was provided

XX/XX/XXXX

Complete

Collateral Protection Notice was provided

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Borrower liabilities verified indicator is Partial ---- Missing evidence of XXX and care credit debt payoffs as noted on the Final XXX and AUS.

Borrower liabilities verified indicator is Present

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consummation or Reimbursement Date Validation Test

Cleared

XX/XX/XXXX

Consummation or Reimbursement Date Validation Test

Discount Points increased from $XXX to $XXX on the final CD dated XX/XX/XX. A COC showing this increase or a PCCD, with a copy of a refund check in the amount of $XXX is needed.

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Discount Points increased from $XXX to $XXX on the final CD dated XX/XX/XX. A COC showing this increase or a PCCD, with a copy of a refund check in the amount of $XXX is needed.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

Cleared

XX/XX/XXXX

TRID Post-Consummation Revised Closing Disclosure Data Validation Test

This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested; XX/XX/XXXX: Received trailing docs; Closing CD and PCCD refund. Exception cleared.

XX/XX/XXXX

Complete

This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX: Received trailing docs; LOE - fee increased on XX/XX/XXXX - same day as rate lock. Exception cleared. ; This loan passed the charges that cannot increase test. (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Missing

Cleared

XX/XX/XXXX

Final Loan Application is Missing

Provide Final loan application rate of XXX,PITI @ XXX

XX/XX/XXXX: Received trailing docs; Final XXXX; Exception cleared. ; Final loan application is Present

XX/XX/XXXX

Complete

Final loan application is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

Please provide final XXX transmittal ; The transmittal summary is Missing

XX/XX/XXXX: Received trailing docs; Final XXXX; Exception cleared. ; The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

Void

Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%.

DU approved, not applicable. Exception cleared.

DU Approved, not applicable.

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

The loan meets all applicable credit guidelines.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Prohibited Fees Test

Cleared

XX/XX/XXXX

Prohibited Fees Test

This loan failed the prohibited fees test.
The loan charges a prohibited fee based on one or more the following findings:
The loan charged more than one appraisal fee. (XXX Fin. Code §XXX)The lender collected an "unreasonable" escrow or escrow related fee. The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (XXX Fin. Code §XXX). (XXX Fin. Code §XXX)The lender retained any statutory fees to be paid to a public officer. (XXX CCR §XXXX)The lender retained the notary fee. (XXX CCR §XXXX)

This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.

XX/XX/XXXX

Complete

This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section E. Taxes and Other Government Fees" Validation Test

Cleared

XX/XX/XXXX

TRID "Section E. Taxes and Other Government Fees" Validation Test

This loan failed the TRID "Section E. Taxes and Other Government Fees" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than other, but this fee or fees should not be retained by any party other than other. "Section E. Taxes and Other Government Fees" should contain the amounts to be paid to State and local governments for taxes and other government fees.

This compliance test 'TRID "Section E. Taxes and Other Government Fees" Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID "Section E. Taxes and Other Government Fees" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Right of Rescission Test

Cleared

XX/XX/XXXX

TILA Right of Rescission Test

This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXX(a)(X) , transferred from XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXX(a)(X) , transferred from XX CFR §XXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.

XX/XX/XXXX

Complete

This loan passed the TILA right of rescission test.Closed-end ( XXX CFR §XXX(a)(X) , transferred from XXX CFR §XXX(a)(X) ), Open-end ( XXX CFR §XXX(a)(X) , transferred from XXX CFR §XXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Effective Date is after the Note Date

Cleared

XX/XX/XXXX

Hazard Insurance Effective Date is after the Note Date

The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX

Escalation -Client indicated that policy is effective prior to loan sale; exception cleared.

XX/XX/XXXX

Complete

Escalation -Client indicated that policy is effective prior to loan sale; exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Coverage is Not Sufficient

Cleared

XX/XX/XXXX

Hazard Insurance Coverage is Not Sufficient

Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XX/XX/XXXX

Complete

Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.

This loan passed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This compliance test 'Reimbursement Amount Test' is no longer tested; This loan failed the reimbursement amount test. (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XX/XX/XXXX

Complete

This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consummation or Reimbursement Date Validation Test

Cleared

XX/XX/XXXX

Consummation or Reimbursement Date Validation Test

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID "Section H. Other" Validation Test

Void

XX/XX/XXXX

TRID "Section H. Other" Validation Test

This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate. Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §XXX(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §XXX(g)(X)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs.

This compliance test 'TRID "Section H. Other" Validation Test' is no longer tested; XX/XX/XXXX: Exception is for the Broker fee charged in Section H.

XX/XX/XXXX

Complete

This compliance test 'TRID "Section H. Other" Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Employment Verification does not meet guidelines

Cleared

XX/XX/XXXX

Borrower Employment Verification does not meet guidelines

Provide Trust Income documentation for XXX Bank; Missing XXX bank statements to validate trust income.

XX/XX/XXXX: Per FNMA/ Trust document and frequency of payments are sufficient for Trust income. Exception cleared; corrected: Trust document in file

XX/XX/XXXX

Complete

corrected: Trust document in file

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Provide taxes/insurance/hoa if applicable for XXX XXX ; Missing PITIA for XXX XXX

XX/XX/XXXX: Received trailing docs; taxes/ins for investment property. Exception cleared. ; Borrower liabilities verified indicator is Present

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Late Fees Test

Cleared

XX/XX/XXXX

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))For loans with a date creditor received application on or after XXX, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; Exception is for late fee exceeding $XXX. P& I per note $XXX @ X%= a late fee of $XXX.

This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; XX/XX/XXXX: Exception cleared. Note provides correct late fee limits. updated Verify accordingly.

XX/XX/XXXX

Complete

This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX))For loans with a date creditor received application on or after XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX)PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third party AVM Confidence Score is less than 80%

Cleared

XX/XX/XXXX

Third party AVM Confidence Score is less than 80%

Third party AVM Confidence Score of XXX is less than XXX%.

Additional third party valuation requested to support value.

XX/XX/XXXX

Complete

Additional third party valuation requested to support value.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Cleared

XX/XX/XXXX

TRID Initial Closing Disclosure Date and Funding Date Validation Test

This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.

This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested; XX/XX/XXXX: Loan is showing as closing on XX/XX/XXXX, funding on XX/XX/XXXX. Please confirm funding date is greater than X business days, substantiate Saturday as a business day.

XX/XX/XXXX

Complete

This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Initial Closing Disclosure Delivery Date Test

Cleared

XX/XX/XXXX

Initial Closing Disclosure Delivery Date Test

Initial CD is not provided. Document needed in order to clear all exceptions.

This loan passed the initial closing disclosure delivery date test.( XX CFR §XXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX(f)(X)(I) no later than three business days before consummation.; Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; ICD; Exception cleared.

XX/XX/XXXX

Complete

This loan passed the initial closing disclosure delivery date test.( XXX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Right of Rescission Test

Cleared

XX/XX/XXXX

TILA Right of Rescission Test

This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXX(a)(X) , transferred from XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXXX(a)(X) , transferred from XX CFR §XXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX: ROR is effective as of last transaction dated XX/XX/XXXX. Cancel by date is not a full X days from the effective date unless Saturday is included as a business day. Provide and LOE regarding business days or new ROR

XX/XX/XXXX

Complete

This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X) ), Open-end ( XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

Initial CD is not provided. Document needed in order to clear all exceptions.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Initial CD is not provided. Document needed in order to clear all exceptions.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; Change status of 'TILA Finance Charge Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received ICD in trailing docs

XX/XX/XXXX

Complete

This loan passed the TILA finance charge test.( XXX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Vermont Mortgage Lender License Prohibited Fees Test

Cleared

XX/XX/XXXX

Vermont Mortgage Lender License Prohibited Fees Test

Change severity of 'XXX Mortgage Lender License Prohibited Fees Test' from Material to Non-Material.; This loan did not pass the prohibited fees test. ( §XX)
The XXX statutes provide that only those fees expressly permitted may be charged.; Confirmed XXX Section XXX does not apply to XXX liens.

Prohibited Fees have been reviewed and reported accurately.

Complete

Change severity of 'XXX Mortgage Lender License Prohibited Fees Test' from Material to Non-Material.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Settlement Cost Booklet was provided more than 3 days from the Originator Application Date

Cleared

XX/XX/XXXX

Settlement Cost Booklet was provided more than 3 days from the Originator Application Date

Settlement Cost Booklet date of XX/XX/XXXX is more than XXX days from the Originator application date of XX/XX/XXXX

Settlement Cost Booklet date of ___ is within X days from the Originator application date of XX/XX/XXXX

XX/XX/XXXX

Complete

Settlement Cost Booklet date of ___ is within XXX days from the Originator application date of XX/XX/XXXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third party AVM Confidence Score is less than 80%

Cleared

XX/XX/XXXX

Third party AVM Confidence Score is less than 80%

Third party AVM Confidence Score of XXX is less than XXX%.

Additional third party valuation requested to support value.

XX/XX/XXXX

Complete

Additional third party valuation requested to support value.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Initial Escrow Account Disclosure is Missing

Cleared

XX/XX/XXXX

Initial Escrow Account Disclosure is Missing

The initial escrow account disclosure is Missing

XX/XX/XXXX: Received trailing docs; IEAD; Exception cleared. ; The initial escrow account disclosure is Present; XX/XX/XXXX: Please provided the Initial Escrow Account Disclosure

XX/XX/XXXX

Complete

The initial escrow account disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Missing

Cleared

XX/XX/XXXX

Final Loan Application is Missing

Final loan application is Missing

XX/XX/XXXX: Received trailing docs;Final XXXX; Exception cleared. ; Final loan application is Present; XX/XX/XXXX: Please provide the Final XXXX.

XX/XX/XXXX

Complete

Final loan application is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Note Document Indicator is Missing

Cleared

XX/XX/XXXX

Note Document Indicator is Missing

Note document indicator is Missing

Note document indicator is Present; Received in trailing docs; XX/XX/XXXX: Please provide the executed Note.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

DTI Exceeds AUS Maximum Allowable

Cleared

XX/XX/XXXX

DTI Exceeds AUS Maximum Allowable

The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX

XX/XX/XXXX: DTI allowance of XXX was added to DU XXX%; Exception cleared. ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Changed of circumstance for Discount Point fee increase on Initial CD dated XX/XX/XXXX not on file, though listed on sign, Pg XXX; This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Second Home

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Initial Closing Disclosure Delivery Date Test

Cleared

XX/XX/XXXX

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation.

XX/XX/XXXX

Complete

This loan passed the initial closing disclosure delivery date test.( XX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Hazard Insurance Effective Date is after the Note Date

Cleared

XX/XX/XXXX

Hazard Insurance Effective Date is after the Note Date

The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX

XX/XX/XXXX: Received trailing docs; HOI policy eff dte; Exception cleared.

XX/XX/XXXX

Complete

XX/XX/XXXX: Received trailing docs; HOI policy eff dte; Exception cleared.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Post-Consummation Reason for Redisclosure Validation Test

Cleared

XX/XX/XXXX

TRID Post-Consummation Reason for Redisclosure Validation Test

This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.

This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested

XX/XX/XXXX

Complete

This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TRID Disclosure Delivery and Receipt Date Validation Test

Cleared

XX/XX/XXXX

TRID Disclosure Delivery and Receipt Date Validation Test

Received trailing docs. COC. Exception cleared.

Complete

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Discount Points increased from $XXX to $XXX from the Initial CD dated XX/XX/XX to the Final CE dated XX/XX/XX. A COC showing this increase is needed.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

Discount Points increased from $XXX to $XXX from the Initial CD dated XX/XX/XX to the Final CE dated XX/XX/XX. A COC showing this increase is needed.

XX/XX/XXXX

Complete

This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Final Loan Application is Missing

Cleared

XX/XX/XXXX

Final Loan Application is Missing

Final loan application is Missing

XX/XX/XXXX: Received trailing docs: Final XXX; Exception cleared. ; Final loan application is Present

XX/XX/XXXX

Complete

Final loan application is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

Need Mortgage statement or evidence of free and clear for XXX, XXX, XXX and XXX, XXX...
Copy of taxes and insurance for XXX, XXX

Borrower liabilities verified indicator is Present; XX/XX/XXXX: Received trailing docs; Title showing XXX property free and clear; Exception cleared.

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

TILA Finance Charge Test

Cleared

XX/XX/XXXX

TILA Finance Charge Test

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

CoBorrower Transcripts is Missing

Cleared

XX/XX/XXXX

CoBorrower Transcripts is Missing

The coborrower Transcripts is Missing

The coborrower Transcripts is Not Applicable

XX/XX/XXXX

Complete

The coborrower Transcripts is Not Applicable

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Transcripts are missing

Cleared

XX/XX/XXXX

Borrower Transcripts are missing

The borrower transcripts is Missing

The borrower XXX is Not Applicable

XX/XX/XXXX

Complete

The borrower XXX is Not Applicable

XXXXX

XXX

XXXXX

Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Charges That Cannot Increase Test

Cleared

XX/XX/XXXX

Charges That Cannot Increase Test

Fail due to Discount points increased from $XXXon LE XX/XX/XX to $XXX on CD XX/XX/XX. No COC nor rate lock in file.

XX/XX/XXXX

Complete

XXXXX

XXX

XXXXX

Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Reimbursement Amount Test

Cleared

XX/XX/XXXX

Reimbursement Amount Test

Fail due to Discount points increased from $XXX on LE XX/XX/XX to $XXXX on CD XX/XX/XX. No COC nor rate lock in file.

XX/XX/XXXX

Complete

This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Title Issues Present

Cleared

XX/XX/XXXX

Title Issues Present

The following issues were noted: Title policy in the amount of executed Note $XXX is not present.

Sufficient title policy received in trailing docs

XX/XX/XXXX

Complete

Sufficient title policy received in trailing docs

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Missing

Cleared

XX/XX/XXXX

Transmittal Summary is Missing

XX/XX/XXXX: Please provide transmittal XXXX; The transmittal summary is Missing

The transmittal summary is Present; XX/XX/XXXX: Received trailing docs; XXXX; However, it does not appear to be the final transmittal correlated to AUS #X; DTI XXXX%. Please provide the final transmittal XXXX

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.

The loan is in compliance with all applicable laws and regulations.;

XX/XX/XXXX

Complete

The loan is in compliance with all applicable laws and regulations.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Transmittal Summary is Partial

Cleared

XX/XX/XXXX

Transmittal Summary is Partial

The transmittal summary is Partial. Received in trailing docs. However, it does not appear to be the transmittal that corresponds to the final AUS#X.

The transmittal summary is Present

XX/XX/XXXX

Complete

The transmittal summary is Present

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Cash Out: Other Multi purpose Unknown purpose

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party AVM to appraised value exceeds 10% allowable variance

Cleared

XX/XX/XXXX

Third Party AVM to appraised value exceeds 10% allowable variance

Please provide TPV within the XXX% allowed variance, or client exception.; Third party AVM value of XXX with a variance of XXX exceeds XX% allowable variance.

Additional third party valuation requested to support value. AVM is XXXX% above appraisal.

XX/XX/XXXX

Complete

Additional third party valuation requested to support value. AVM is XXX% above appraisal.

XXXXX

XXX

XXXXX

Rate Term Refinance Borrower initiated

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Is Completion Certificate in file is No

Cleared

XX/XX/XXXX

Is Completion Certificate in file is No

Appraisal made "subject to" due to no rail on back steps which is a possible safety zone. XXX not located in file. Lender to provide.; Please provided the required appraisal completion report.

The Completion Certificate is Yes

XX/XX/XXXX

Complete

The Completion Certificate is XXX

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Liquid Reserves (Dollar Amount) are less than AUS Minimum Required

Cleared

XX/XX/XXXX

Liquid Reserves (Dollar Amount) are less than AUS Minimum Required

The liquid reserves of XXX are less than the minimum required per AUS of XXXX.

The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.

XX/XX/XXXX

Complete

The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.

The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.

XX/XX/XXXX

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Insufficient cash to close.

Cleared

XX/XX/XXXX

Insufficient cash to close.

Cash to close in the amount of XXX is greater than the available asset amount of XXX.; Sufficient cash to close is documented.; Cash to close in the amount of XXX is greater than the available asset amount of XXX.

Sufficient cash to close is documented.

XX/XX/XXXX

Complete

Sufficient cash to close is documented.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Asset Documents are Incomplete

Cleared

XX/XX/XXXX

Asset Documents are Incomplete

XX/XX/XXXX: Please provide documentation to validate net equity in the amount of $XXX. Per AUS these funds were counted towards available funds. ; Asset Documents are Incomplete: Provide proof of net proceeds from sale of current primary residence. AUS shows proceeds of $XXX and documents missing from file.

Borrower Liquid Assets present; Received settlement statement in trailing docs;

XX/XX/XXXX

Complete

Borrower Liquid Assets present; Received settlement statement in trailing docs;

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

No Compliance Findings

Cleared

XX/XX/XXXX

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

The exception 'No Compliance Findings' is cleared.

XX/XX/XXXX

Complete

The exception 'No Compliance Findings' is cleared.

XXXXX

XXX

XXXXX

Limited Cash Out (GSE Definition)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

No Credit Findings

Cleared

XX/XX/XXXX

No Credit Findings

The loan meets all applicable credit guidelines.

Complete

The loan meets all applicable credit guidelines.

XXXXX

XXX

XXXXX

Other than first time Home Purchase

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Credit

Borrower Liabilities Verification Indicator is Partial

Cleared

XX/XX/XXXX

Borrower Liabilities Verification Indicator is Partial

XX/XX/XXXX: Please provide Settlement or Seller CD from departing property. Proceeds are reported as being available for purchase of new property. Currently file does not contain validation the property sold and would need to be included in debts. ; Borrower liabilities verified indicator is Partial

Borrower liabilities verified indicator is Present

XX/XX/XXXX

Complete

Borrower liabilities verified indicator is Present

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Consumer Credit Contracts Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided

Cleared

XX/XX/XXXX

Consumer Credit Contracts Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided

Consumer Credit Contracts, XXX. Civ. Code § XXX - Cosigner Notice Disclosure was not provided

Cosigner Notice Disclosure was provided; XX/XX/XXXX: Corrected; N/A

XX/XX/XXXX

Complete

Cosigner Notice Disclosure was provided

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Escrow Waiver Disclosure is Missing

Cleared

XX/XX/XXXX

Escrow Waiver Disclosure is Missing

The escrow waiver disclosure is Missing

The escrow waiver disclosure is Present

XX/XX/XXXX

Complete

The escrow waiver disclosure is Present

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Cleared

XX/XX/XXXX

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.

Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.

Third Party Valuation Product Provided.

XX/XX/XXXX

Complete

Third Party Valuation Product Provided.

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Property

Third Party Valuation Product not Provided

Cleared

XX/XX/XXXX

Third Party Valuation Product not Provided

Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.

Third Party Valuation Product Provided in trailing docs

XX/XX/XXXX

Complete

Third Party Valuation Product Provided in trailing docs

XXXXX

XXX

XXXXX

First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

Owner occupied

XX/XX/XXXX

XXX

$XXXXXX

Closed

XX/XX/XXXX

Compliance

Cosigner Notice Disclosure is Missing

Cleared

XX/XX/XXXX

Cosigner Notice Disclosure is Missing

The cosigner notice disclosure is Missing

The cosigner notice disclosure is Not Applicable; XX/XX/XXXXNot applicable/ Exception cleared.

XX/XX/XXXX

Complete

The cosigner notice disclosure is Not Applicable