EX-99.1 9 ex991s8a.htm SCHEDULE 8(A) - COMPLIANCE REPORT

 

PRET 2024-RPL2 Trust ABS-15G

Exhibit 99.1 - Schedule 8(a)

 

 

 

 

Unique ID AMC Loan ID Customer Loan ID Seller Loan ID Last Name Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Category Exception Subcategory Exception Type Exception Status Status Change Date Exception Grade Loan Exception ID Exception Exception Detail Exception Information Compensating Factors Seller Comments Buyer Comments Reviewer Comments Exception Remediation
275065387 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 PA $XXX Reviewed with Exceptions 2015-08-27 18:57:01.000000 Compliance Federal Compliance Compliance Open   2 90032 Final TIL Finance Charge Under Disclosed Truth In Lending Act:  Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lender under-disclosed fees         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065388 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2003 MA $XXX Reviewed with Exceptions 2015-09-01 10:31:26.000000 Compliance Federal Compliance Compliance Open   2 94407 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065388 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2003 MA $XXX Reviewed with Exceptions 2015-09-01 10:31:26.000000 Loan Package Documentation Application / Processing Credit Open   1 94408 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 04/XX/2010
Inspection Date:		            
275065389 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2003 NJ $XXX Reviewed with Exceptions 2015-09-03 17:49:27.000000 Compliance Federal Compliance Compliance Open   2 92420 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065389 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2003 NJ $XXX Reviewed with Exceptions 2015-09-03 17:49:27.000000 Compliance Federal Compliance Compliance Open   2 92421 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2015-09-01 10:31:26.000000 Loan Package Documentation Application / Processing Compliance Open   1 93727 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2015-09-01 10:31:26.000000 Compliance Federal Compliance Compliance Open   1 93728 FACTA Disclosure Not Provided Prior to Closing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2015-09-01 10:31:26.000000 Compliance Federal Compliance Compliance Open   2 93731 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Rescind occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Reviewed with Exceptions 2015-09-01 13:38:36.000000 Loan Package Documentation Application / Processing Credit Open   1 94051 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 12/XX/2007
Inspection Date:		            
275065392 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2015-09-03 12:32:53.000000 Compliance State Compliance Compliance Open   2 95465 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065392 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2015-09-03 12:32:53.000000 Compliance State Compliance Compliance Open   2 95466 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065393 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2015-08-27 18:57:01.000000 Loan Package Documentation Application / Processing Credit Open   1 84413 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 11/XX/2012
Inspection Date:		 FEMA disaster area.          
275065394 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2008 FL $XXX Reviewed with Exceptions 2015-08-21 13:54:21.000000 Loan Package Documentation Application / Processing Credit Open   1 79615 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 09/XX/2008
Inspection Date:		 Most Recent Site Inspection Date 12/XX/2007. Most Recent Disaster Date 9/XX/2008.          
275065395 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NY $XXX Reviewed with Exceptions 2015-08-17 16:19:38.000000 Loan Package Documentation Application / Processing Credit Open   1 78100 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 11/XX/2012
Inspection Date:		 Most Recent Disaster Date 11/XX/2012          
275065395 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NY $XXX Reviewed with Exceptions 2015-08-17 16:19:38.000000 Compliance Federal Compliance Compliance Open   2 78130 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065395 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NY $XXX Reviewed with Exceptions 2015-08-17 16:19:38.000000 Compliance Federal Compliance Compliance Open   2 78131 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065396 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Reviewed with Exceptions 2015-08-27 18:57:01.000000 Compliance Federal Compliance Compliance Open   2 77220 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275065396 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Reviewed with Exceptions 2015-08-27 18:57:01.000000 Compliance Federal Compliance Compliance Open   2 77222 TIL Right To Cancel Truth in Lending Act: Notice of Right to Cancel was not executed on proper Model Form.            
275065397 XXX XXX XXX XXX Construction Primary 4/XX/2005 TX $XXX Reviewed with Exceptions 2015-09-24 17:14:33.000000 Loan Package Documentation Closing / Title Compliance Open   3 134333 Missing Final HUD-1 Missing Final HUD-1.  Estimated HUD1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065397 XXX XXX XXX XXX Construction Primary 4/XX/2005 TX $XXX Reviewed with Exceptions 2015-09-24 17:14:33.000000 Compliance Federal Compliance Compliance Open   1 134337 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275065397 XXX XXX XXX XXX Construction Primary 4/XX/2005 TX $XXX Reviewed with Exceptions 2015-09-24 17:14:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 135376 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065397 XXX XXX XXX XXX Construction Primary 4/XX/2005 TX $XXX Reviewed with Exceptions 2015-09-24 17:14:33.000000 Compliance Federal Compliance Compliance Open   2 135377 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065399 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2003 MI $XXX Reviewed with Exceptions 2015-10-09 15:37:56.000000 Compliance Federal Compliance Compliance Open   2 155430 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065399 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2003 MI $XXX Reviewed with Exceptions 2015-10-09 15:37:56.000000 Compliance State Compliance Compliance Open   2 155431 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065399 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2003 MI $XXX Reviewed with Exceptions 2015-10-09 15:37:56.000000 Compliance State Compliance Compliance Open   2 155432 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065400 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2015-10-30 12:52:07.000000 Compliance Federal Compliance Compliance Open   1 180077 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275065400 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2015-10-30 12:52:07.000000 Compliance Federal Compliance Compliance Open   2 184772 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065404 XXX XXX XXX XXX Purchase Primary 1/XX/2007 AL $XXX Reviewed with Exceptions 2016-02-03 17:08:37.000000 Compliance Federal Compliance Compliance Open   2 301756 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065406 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NY $XXX Reviewed with Exceptions 2016-02-04 07:43:26.000000 Compliance Federal Compliance Compliance Open   2 304703 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065406 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NY $XXX Reviewed with Exceptions 2016-02-04 07:43:26.000000 Compliance Federal Compliance Compliance Open   2 304704 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065410 XXX XXX XXX XXX Purchase Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2016-02-03 18:59:35.000000 Compliance Federal Compliance Compliance Open   1 299272 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275065413 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 NY $XXX Reviewed with Exceptions 2016-02-04 09:43:56.000000 Compliance Federal Compliance Compliance Open   2 310690 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065413 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 NY $XXX Reviewed with Exceptions 2016-02-04 09:43:56.000000 Compliance Federal Compliance Compliance Open   2 310691 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065413 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 NY $XXX Reviewed with Exceptions 2016-02-04 09:43:56.000000 Compliance Federal Compliance Compliance Open   2 310692 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065414 XXX XXX XXX XXX Purchase Primary 3/XX/2011 PA $XXX Reviewed with Exceptions 2016-02-04 10:47:19.000000 Compliance Federal Compliance Compliance Open   2 305895 RESPA (2010) -  Initial Escrow Account Statement Missing RESPA (2010): Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065414 XXX XXX XXX XXX Purchase Primary 3/XX/2011 PA $XXX Reviewed with Exceptions 2016-02-04 10:47:19.000000 Compliance Federal Compliance Compliance Open   2 305897 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065414 XXX XXX XXX XXX Purchase Primary 3/XX/2011 PA $XXX Reviewed with Exceptions 2016-02-04 10:47:19.000000 Compliance Federal Compliance Compliance Open   2 311191 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065405 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 2016-02-03 16:23:08.000000 Compliance Federal Compliance Compliance Open   2 312405 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065407 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MD $XXX Reviewed with Exceptions 2016-02-04 08:12:02.000000 Compliance Federal Compliance Compliance Open   2 316879 Final TIL Finance Charge Under Disclosed Truth In Lending Act:  Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065408 XXX XXX XXX XXX Purchase Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2016-02-04 16:03:18.000000 Compliance Federal Compliance Compliance Open   2 323797 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065408 XXX XXX XXX XXX Purchase Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2016-02-04 16:03:18.000000 Insurance Insurance Documentation Credit Open   1 328320 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065418 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 RI $XXX Reviewed with Exceptions 2016-02-29 14:15:53.000000 Compliance Federal Compliance Compliance Open   2 478211 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065419 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Reviewed with Exceptions 2016-03-04 09:57:26.000000 Compliance Federal Compliance Compliance Open   1 473492 FACTA Disclosure Not Provided Prior to Closing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065419 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Reviewed with Exceptions 2016-03-04 09:57:26.000000 Compliance Federal Compliance Compliance Open   2 473493 (Missing Data) Application Date No evidence of application date located in file. Compliance tests were run using an application date of  2/XX/2008 which is 30 days prior to the note date.           Provide missing documentation
275065421 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2002 NY $XXX Reviewed with Exceptions 2016-03-04 09:57:26.000000 Compliance Federal Compliance Compliance Open   2 476002 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065422 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 FL $XXX Reviewed with Exceptions 2016-05-26 09:17:15.000000 Compliance Federal Compliance Compliance Open   2 790966 (Missing Data) Application Date No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2007 which is 30 days prior to the note date.           Provide missing documentation
275065423 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NV $XXX Reviewed with Exceptions 2016-05-26 09:17:15.000000 Loan Package Documentation Closing / Title Compliance Open   3 770532 Missing Final HUD-1 Missing Final HUD-1.  HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065423 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NV $XXX Reviewed with Exceptions 2016-05-26 09:17:15.000000 Compliance Federal Compliance Compliance Open   2 770533 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065424 XXX XXX XXX XXX Purchase Primary 7/XX/2002 ME $XXX Reviewed with Exceptions 2016-05-26 09:17:15.000000 Compliance Federal Compliance Compliance Open   2 776856 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065425 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 788897 (Missing Data) Application Date No evidence of application date located in file. Compliance tests were run using an application date of  9/XX/2004 which is 30 days prior to the note date.           Provide missing documentation
275065425 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 788898 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065425 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 788899 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065425 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 788903 (Doc Error) Initial GFE not provided              
275065427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KY $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 790187 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KY $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 824429 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. No itemization in file but it appears lender did not include attorney fees in prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065428 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NV $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 791847 (Doc Error) Initial GFE not provided              
275065428 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NV $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 791848 Initial TIL not provided              
275065428 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NV $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 791854 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065429 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 793685 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2003 12:00:00 AM, prior to three (3) business days from transaction date of 11/XX/2003 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065429 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 793690 (Doc Error) Initial GFE not provided              
275065432 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Reviewed with Exceptions 2016-06-07 15:38:23.000000 Compliance Federal Compliance Compliance Open   1 823373 FACTA Disclosure Not Provided Prior to Closing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065432 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Reviewed with Exceptions 2016-06-07 15:38:23.000000 Compliance Federal Compliance Compliance Open   2 823375 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Verified.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823741 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823742 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823743 RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.            
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823744 RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.            
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823745 RESPA (2010) -  Initial Escrow Account Statement Missing RESPA (2010): Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065433 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Reviewed with Exceptions 2016-06-07 16:40:15.000000 Compliance Federal Compliance Compliance Open   2 823746 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275065434 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Reviewed with Exceptions 2016-06-07 17:18:30.000000 Compliance Federal Compliance Compliance Open   2 835650 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065434 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Reviewed with Exceptions 2016-06-07 17:18:30.000000 Compliance Federal Compliance Compliance Open   2 835651 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065434 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Reviewed with Exceptions 2016-06-07 17:18:30.000000 Compliance Federal Compliance Compliance Open   2 835652 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065434 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Reviewed with Exceptions 2016-06-07 17:18:30.000000 Compliance Miscellaneous Compliance Compliance Open   2 835656 (Doc Error) Initial GFE not provided              
275065436 XXX XXX XXX XXX Purchase Primary 2/XX/2008 TX $XXX Reviewed with Exceptions 2016-06-10 16:21:35.000000 Compliance Miscellaneous Compliance Compliance Open   2 841239 Initial TIL not provided              
275065436 XXX XXX XXX XXX Purchase Primary 2/XX/2008 TX $XXX Reviewed with Exceptions 2016-06-10 16:21:35.000000 Compliance Federal Compliance Compliance Open   2 841240 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NV $XXX Reviewed with Exceptions 2016-07-07 17:49:26.000000 Compliance Miscellaneous Compliance Compliance Open   2 952651 (Doc Error) Initial GFE not provided              
275065438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NV $XXX Reviewed with Exceptions 2016-07-07 17:49:26.000000 Compliance Federal Compliance Compliance Open   2 970474 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065439 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2008 FL $XXX Reviewed with Exceptions 2016-07-07 17:49:26.000000 Compliance Federal Compliance Compliance Open   2 957947 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Facta from origination is not in file.         Provide missing documentation
275065440 XXX XXX XXX XXX Purchase Primary 5/XX/2008 NY $XXX Reviewed with Exceptions 2016-07-07 17:49:26.000000 Compliance Federal Compliance Compliance Open   2 957016 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065440 XXX XXX XXX XXX Purchase Primary 5/XX/2008 NY $XXX Reviewed with Exceptions 2016-07-07 17:49:26.000000 Compliance Federal Compliance Compliance Open   2 957018 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065437 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2003 GA $XXX Reviewed with Exceptions 2016-07-19 17:23:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 1000227 (Doc Error) Initial GFE not provided              
275065443 XXX XXX XXX XXX Purchase Primary 5/XX/2006 IN $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1516952 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 4/XX/2006 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065444 XXX XXX XXX XXX Purchase Primary 9/XX/1998 KY $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1518040 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065444 XXX XXX XXX XXX Purchase Primary 9/XX/1998 KY $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 1518047 (Doc Error) Initial GFE not provided              
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Loan Package Documentation Application / Processing Credit Open   1 1520372 Missing Document: Missing Final 1003             Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 1520452 (Doc Error) Initial GFE not provided              
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 1520455 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1520485 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 1/XX/2007 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Loan Package Documentation Closing / Title Compliance Open   3 1520486 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1520487 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1520490 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Loan Package Documentation Application / Processing Compliance Open   1 1537708 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Loan Package Documentation Loan File Compliance Open   3 1537813 (Missing Doc) Incomplete loan images/file   File only contains Note, Mortgage and Final Title Policy. Insufficient documents to complete compliance.         Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1537832 Notice of Right to Cancel Missing Unable to Test Right To Cancel due to missing information.           Provide missing documentation
275065445 XXX XXX XXX XXX     2/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 1537885 Initial TIL not provided              
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 1542660 (Doc Error) Initial GFE not provided              
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 1542661 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Application / Processing Credit Open   1 1542666 Missing Document: Missing Final 1003             Provide missing documentation
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Application / Processing Compliance Open   1 1550641 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Closing / Title Compliance Open   3 1550688 Missing Final HUD-1             Provide missing documentation
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Closing / Title Compliance Open   2 1550689 TILA - Final TIL Missing             Provide missing documentation
275065446 XXX XXX XXX XXX     4/XX/2003 MI $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Loan File Compliance Open   3 1550692 (Missing Doc) Incomplete loan images/file   File only contains Note, Mortgage and Final Title. Insufficient documents to complete compliance.         Provide missing documentation
275065447 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Loan Package Documentation Closing / Title Compliance Open   3 1560784 Missing Final HUD-1 Missing Final HUD-1.  HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Loan Package Documentation Application / Processing Credit Open   1 1522491 Missing Document: Missing Final 1003             Provide missing documentation
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1522521 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of  3/XX/2004 which is the consummation date.  A 1 month lookback was used to determine this application date.            
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance State Compliance Compliance Open   2 1522522 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance State Compliance Compliance Open   2 1522523 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1522525 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Federal Compliance Compliance Open   2 1522526 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065448 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 MI $XXX Reviewed with Exceptions 2016-10-17 13:34:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 1522531 (Doc Error) Initial GFE not provided              
275065449 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   1 1559889 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065449 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1559890 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of  2/XX/2007 which is 1 month(s) prior to consummation.  A 3 month lookback was used to determine this application date.            
275065449 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1559891 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065449 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1559892 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065450 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   1 1552079 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065450 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1552080 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 9/XX/2007 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065450 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1552090 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065450 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1552091 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065450 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1552092 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Application / Processing Credit Open   1 1556330 Missing Document: Missing Final 1003             Provide missing documentation
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 1556490 (Doc Error) Initial GFE not provided              
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 1556493 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1556536 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1556537 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of  1/XX/2005 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Loan Package Documentation Closing / Title Compliance Open   3 1556538 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1556539 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275065451 XXX XXX XXX XXX Construction-Permanent Primary 2/XX/2005 FL $XXX Reviewed with Exceptions 2016-10-24 17:20:24.000000 Compliance Federal Compliance Compliance Open   2 1556541 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065452 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 VA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 1556409 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 1/XX/2004 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065454 XXX XXX XXX XXX Purchase Primary 9/XX/2005 NY $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 1559636 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065454 XXX XXX XXX XXX Purchase Primary 9/XX/2005 NY $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 1559637 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065454 XXX XXX XXX XXX Purchase Primary 9/XX/2005 NY $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 1574272 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   1 1539109 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1539112 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1539113 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1539114 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1539115 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine if POA fee is required by lender or for purpose excludable from finance charge, therefore, treated conservatively as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065455 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 1539124 (Doc Error) Initial GFE not provided              
275065456 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 IN $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1539382 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 month(s) prior to consummation.  A 2 month lookback was used to determine this application date.            
275065456 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 IN $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 1539383 (Doc Error) Initial GFE not provided              
275065456 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 IN $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Loan Package Documentation Application / Processing Credit Open   1 1564365 Missing Document: Missing Final 1003             Provide missing documentation
275065456 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 IN $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Insurance Insurance Documentation Credit Open   1 1564465 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065457 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 FL $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 1547732 (Doc Error) Initial GFE not provided              
275065457 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 FL $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1547898 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065457 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 FL $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1547899 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 6/XX/2006 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065457 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 FL $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1547901 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065457 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 FL $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1547902 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065458 XXX XXX XXX XXX Purchase Primary 4/XX/2009 NY $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 1549651 (Doc Error) Initial GFE not provided              
275065458 XXX XXX XXX XXX Purchase Primary 4/XX/2009 NY $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1549671 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 3/XX/2009 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065458 XXX XXX XXX XXX Purchase Primary 4/XX/2009 NY $XXX Reviewed with Exceptions 2016-10-31 17:22:45.000000 Compliance Federal Compliance Compliance Open   2 1549672 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065459 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2012 NH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1563829 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065459 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2012 NH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1563830 RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
275065459 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2012 NH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1563832 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275065459 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2012 NH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1563834 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065460 XXX XXX XXX XXX Purchase Primary 11/XX/2004 OH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1577751 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065460 XXX XXX XXX XXX Purchase Primary 11/XX/2004 OH $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1577752 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065461 XXX XXX XXX XXX Purchase Primary 3/XX/2005 WI $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Loan Package Documentation Application / Processing Credit Open   1 1567032 Missing Document: Missing Final 1003             Provide missing documentation
275065461 XXX XXX XXX XXX Purchase Primary 3/XX/2005 WI $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1567036 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Loan Package Documentation Application / Processing Credit Open   1 1568575 Missing Document: Missing Final 1003             Provide missing documentation
275065462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1568622 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of  1/XX/2003 which is 1 month(s) prior to consummation.  A 2 month lookback was used to determine this application date.            
275065462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Reviewed with Exceptions 2016-10-31 17:32:34.000000 Compliance Federal Compliance Compliance Open   2 1568623 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065464 XXX XXX XXX XXX Refinance Limited Cash-out GSE Second Home 5/XX/2004 MA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Compliance Federal Compliance Compliance Open   2 1940687 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065468 XXX XXX XXX XXX Purchase Primary 5/XX/2005 VA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Compliance Federal Compliance Compliance Open   1 1940690 FACTA Disclosure Not Provided Prior to Closing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065468 XXX XXX XXX XXX Purchase Primary 5/XX/2005 VA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Compliance Federal Compliance Compliance Open   2 1940691 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065463 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Loan Package Documentation Closing / Title Compliance Open   3 1940694 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065463 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Compliance Federal Compliance Compliance Open   2 1940695 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065463 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Reviewed with Exceptions 2016-12-16 17:07:32.000000 Compliance Federal Compliance Compliance Open   2 1940696 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065469 XXX XXX XXX XXX Purchase Primary 12/XX/2000 GA $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 2272015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065469 XXX XXX XXX XXX Purchase Primary 12/XX/2000 GA $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Miscellaneous Compliance Compliance Open   2 2272017 (Doc Error) Initial GFE not provided              
275065469 XXX XXX XXX XXX Purchase Primary 12/XX/2000 GA $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Federal Compliance Compliance Open   2 2272025 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065469 XXX XXX XXX XXX Purchase Primary 12/XX/2000 GA $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Federal Compliance Compliance Open   2 2272026 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation.  A 7 month lookback was used to determine this application date.  The final date used for testing was 6/XX/2000.           Provide missing documentation
275065469 XXX XXX XXX XXX Purchase Primary 12/XX/2000 GA $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Federal Compliance Compliance Open   2 2272027 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. LIt appears lender did not include the $XXX attorney fee.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065470 XXX XXX XXX XXX Purchase Primary 3/XX/2008 FL $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Loan Package Documentation Closing / Title Credit Open   2 2272277 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065470 XXX XXX XXX XXX Purchase Primary 3/XX/2008 FL $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Federal Compliance Compliance Open   2 2272280 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed. $XXX Seller credit for closing costs not applied due to missing itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065470 XXX XXX XXX XXX Purchase Primary 3/XX/2008 FL $XXX Reviewed with Exceptions 2017-02-10 16:59:06.000000 Compliance Federal Compliance Compliance Open   2 2272281 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065472 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Loan Package Documentation Application / Processing Credit Open   1 2769724 Missing Document: Missing Final 1003             Provide missing documentation
275065472 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2769727 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 6/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 6/XX/2005.           Provide missing documentation
275065472 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2769729 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065472 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2769731 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065473 XXX XXX XXX XXX Purchase Primary 2/XX/2007 UT $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Loan Package Documentation Application / Processing Credit Open   1 2770978 Missing Document: Missing Final 1003             Provide missing documentation
275065473 XXX XXX XXX XXX Purchase Primary 2/XX/2007 UT $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2771338 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065473 XXX XXX XXX XXX Purchase Primary 2/XX/2007 UT $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2771339 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 1/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 8/XX/2006.           Provide missing documentation
275065473 XXX XXX XXX XXX Purchase Primary 2/XX/2007 UT $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2771340 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065473 XXX XXX XXX XXX Purchase Primary 2/XX/2007 UT $XXX Reviewed with Exceptions 2017-04-09 12:04:59.000000 Compliance Federal Compliance Compliance Open   2 2771341 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065474 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Loan Package Documentation Closing / Title Credit Open   3 2782381 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title         Provide missing documentation
275065475 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2007 GA $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   1 2783420 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065475 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2007 GA $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2783421 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065476 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2787441 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 7/XX/2005.           Provide missing documentation
275065476 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2787442 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065476 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2787443 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 1/XX/2006, prior to three (3) business days from transaction date of 1/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   3 2788587 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2788589 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was  2/XX/2007.           Provide missing documentation
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance Federal Compliance Compliance Open   2 2788591 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance State Compliance Compliance Open   2 2788592 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance State Compliance Compliance Open   2 2788593 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance State Compliance Compliance Open   2 2788594 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act: Ability to repay not verified.            
275065477 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-12 17:24:00.000000 Compliance State Compliance Compliance Open   2 2788595 Ohio CSPA Tangible Net Benefit Test Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.            
275065478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 AL $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Loan Package Documentation Application / Processing Credit Open   1 2793705 Missing Document: Missing Final 1003             Provide missing documentation
275065478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 AL $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Loan Package Documentation Closing / Title Compliance Open   2 2794328 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 AL $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2794350 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of  9/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was  4/XX/2003.           Provide missing documentation
275065478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 AL $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2794352 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 AL $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2794353 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065479 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Loan Package Documentation Application / Processing Credit Open   1 2803808 Missing Document: Missing Final 1003             Provide missing documentation
275065479 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 2803929 (Doc Error) Initial GFE not provided              
275065479 XXX XXX XXX XXX Purchase Primary 3/XX/2007 NY $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2803932 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 2/XX/2007.           Provide missing documentation
275065480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2003 NJ $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2804524 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 6/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 1/XX/2003.           Provide missing documentation
275065480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2003 NJ $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2804525 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2003 NJ $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 2804542 (Doc Error) Initial GFE not provided              
275065481 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2823794 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an escrow service fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Loan Package Documentation Application / Processing Credit Open   1 2808811 Missing Document: Missing Final 1003             Provide missing documentation
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2809081 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of  4/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2012.           Provide missing documentation
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2809083 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2809084 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2809086 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2809087 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2834200 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275065482 XXX XXX XXX XXX Refinance Rate/Term Second Home 5/XX/2013 PA $XXX Reviewed with Exceptions 2017-04-18 16:42:01.000000 Compliance Federal Compliance Compliance Open   2 2850002 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2810160 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of  9/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was  7/XX/2003.           Provide missing documentation
275065484 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 LA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2811214 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065484 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 LA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2836339 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a Closing Protection Letter of $XXX Flood Cert of $XXX a settlement fee of $XXX a tax certificate fee of $XXX and two recording/downdate/courier fees totaling $XXX as a prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065485 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NC $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2812346 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065485 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NC $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2812347 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065485 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NC $XXX Reviewed with Exceptions 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2812348 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065486 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2818049 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065486 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2818050 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065486 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 2017-04-18 14:56:31.000000 Compliance Federal Compliance Compliance Open   2 2818051 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2821331 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was  5/XX/2007.           Provide missing documentation
275065487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2821333 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 2821358 (Doc Error) Initial GFE not provided              
275065488 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 NY $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2829695 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275065488 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 NY $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2829696 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2830991 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2830995 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance State Compliance Compliance Open   2 2830996 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2830997 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 2831025 (Doc Error) Initial GFE not provided              
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2855698 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065489 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 WA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2855699 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065490 XXX XXX XXX XXX Purchase Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Loan Package Documentation Application / Processing Credit Open   1 2834458 Missing Document: Missing Final 1003             Provide missing documentation
275065490 XXX XXX XXX XXX Purchase Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2017-04-21 10:38:41.000000 Compliance Federal Compliance Compliance Open   2 2834926 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 6/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 1/XX/2007.           Provide missing documentation
275065492 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-24 12:13:15.000000 Compliance State Compliance Compliance Open   2 2851712 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per state (OH) - max late charge for OH is 5% - note states 6%          
275065492 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-24 12:13:15.000000 Compliance Federal Compliance Compliance Open   2 2851714 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065492 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-24 12:13:15.000000 Compliance State Compliance Compliance Open   2 2851715 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275065492 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-24 12:13:15.000000 Compliance State Compliance Compliance Open   2 2851716 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275065492 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 OH $XXX Reviewed with Exceptions 2017-04-24 12:13:15.000000 Compliance State Compliance Compliance Open   2 2894159 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275065493 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Reviewed with Exceptions 2017-04-24 11:26:58.000000 Compliance Federal Compliance Compliance Open   1 2852132 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065493 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Reviewed with Exceptions 2017-04-24 11:26:58.000000 Compliance Federal Compliance Compliance Open   2 2894164 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 5/XX/2006.           Provide missing documentation
275065495 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3408649 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of  5/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 4/XX/2005.           Provide missing documentation
275065495 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3408650 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065496 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 WI $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3391943 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 2/XX/2007.           Provide missing documentation
275065496 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 WI $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3391944 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065496 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 WI $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3392055 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lender failed to disclose $XXX courier fee as prepaid finance charge, verified fees to itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Loan Package Documentation Application / Processing Credit Open   1 3462204 Missing Document: Missing Final 1003             Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3462432 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3462433 Federal HELOC Fee Agreement used in Points and Fees Testing Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Compliance points and fees testing performed using amounts on HELOC Fee Agreement.            
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3462434 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3462436 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 5/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2003.           Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3462438 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Loan Package Documentation Closing / Title Credit Open   3 3462546 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title         Provide missing documentation
275065499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 3462550 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065500 XXX XXX XXX XXX Refinance Cash-out - Other Investment 2/XX/2005 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Loan Package Documentation Application / Processing Credit Open   1 3467287 Missing Document: Missing Final 1003             Provide missing documentation
275065500 XXX XXX XXX XXX Refinance Cash-out - Other Investment 2/XX/2005 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Compliance Federal Compliance Compliance Open   2 3467521 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 1/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 8/XX/2004.           Provide missing documentation
275065500 XXX XXX XXX XXX Refinance Cash-out - Other Investment 2/XX/2005 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 3467578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065500 XXX XXX XXX XXX Refinance Cash-out - Other Investment 2/XX/2005 FL $XXX Reviewed with Exceptions 2017-06-16 17:09:44.000000 Loan Package Documentation Closing / Title Credit Open   3 3467658 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title         Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-18 11:16:14.000000 Loan Package Documentation Application / Processing Credit Open   1 3482691 Missing Document: Missing Final 1003             Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-18 11:16:14.000000 Loan Package Documentation Closing / Title Credit Open   3 3482811 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title.         Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-18 11:16:14.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 3482815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-18 11:16:14.000000 Compliance Federal Compliance Compliance Open   3 3482839 (Missing Data) Last Transaction Date  Last Transaction Date was not provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-18 11:16:14.000000 Compliance Federal Compliance Compliance Open   2 3482841 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-19 08:59:31.000000 Compliance Federal Compliance Compliance Open   2 3508607 TILA HELOC - HELOC Brochure Missing Unable to test HELOC Brochure due to missing information.           Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-19 08:59:31.000000 Compliance Federal Compliance Compliance Open   2 3508608 Federal HELOC Fee Agreement used in Points and Fees Testing Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Compliance points and fees testing performed using amounts on HELOC Fee Agreement.            
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-19 08:59:31.000000 Compliance Federal Compliance Compliance Open   2 3508609 TILA HELOC - Important Terms Disclosure Missing Unable to test terms disclosure timing due to missing information.           Provide missing documentation
275065501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Reviewed with Exceptions 2017-06-19 08:59:31.000000 Compliance Federal Compliance Compliance Open   2 3508610 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 4/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2005.           Provide missing documentation
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Loan Package Documentation Closing / Title Compliance Open   2 3386582 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3386800 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3386801 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3386802 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3386804 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Loan Package Documentation Application / Processing Credit Open   1 3442446 Missing Document: Missing Final 1003             Provide missing documentation
275065494 XXX XXX XXX XXX Purchase Primary 12/XX/2006 CO $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3452353 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
275065498 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3397466 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065498 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Reviewed with Exceptions 2017-06-15 12:51:02.000000 Compliance Federal Compliance Compliance Open   2 3397467 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065491 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-07-18 12:23:47.000000 Compliance Federal Compliance Compliance Open   2 3717188 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065491 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-07-18 12:23:47.000000 Compliance Federal Compliance Compliance Open   2 3717189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065491 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-07-18 12:23:47.000000 Compliance Federal Compliance Compliance Open   2 3717190 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065491 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-07-18 12:23:47.000000 Compliance Federal Compliance Compliance Open   2 3717191 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Asset Asset Calculation / Analysis Credit Waived 07/28/2017 2 3830115 Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX. $XXX < $XXX ($XXX subject + $XXX for 2 financed properties) XXXX Statement program.  Lender makes exception for 5 months < 6 months. Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score, Residual income and Stable employment history Guidelines require a minimum FICO of 720, and the borrower has a representative FICO of 737

Borrower has employment stability for 12.75 years for XXX		     (2017/XX/28): Credit Risk Summary & Exception approval p2  
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 09/18/2017 1 3830126 Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.     (2017/XX/02): XXX accepts this condition (2017/XX/18): Received CDA Provide missing documentation
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Credit Credit Eligibility Credit Waived 07/28/2017 2 3830543 Guideline Issue: Derogatory rental history  outside of credit guidelines   1 x 30 > 0 x 30 max XXXX Statement program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score, Residual income and Stable employment history Guidelines require a minimum FICO of 720, and the borrower has a representative FICO of 737

Borrower has employment stability for 12.75 years for XXX		     (2017/XX/28): Credit Risk Summary & Exception approval p2  
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Credit Miscellaneous Credit Cleared 08/01/2017 1 3838502 Missing Document: Credit Letter of Explanation (LOE) not provided   Letter of explanation regarding inquires per credit report is missing Borrower's signaure (p 23)       (2017/XX/01): Rec'd signed LOE Provide missing documentation
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Asset Asset Documentation Credit Cleared 08/01/2017 1 3839461 Missing Document: Asset Documentation not provided   100% access to bank accounts held joint with non-borrowing spouse (p 71) is not signed by spouse       (2017/XX/01): Rec'd signed access letter Provide missing documentation
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Compliance Federal Compliance Compliance Waived 08/02/2017 1 3876336 Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.85320% or Final Disclosure APR of 6.90400% is in excess of allowable threshold of APOR 3.71% + 2.5%, or 6.21000%.  Compliant Higher Priced Mortgage Loan.       (2017/XX/02): XXX accepts this condition    
275065815 XXX XXX XXX XXX Purchase Primary 7/XX/2017 FL $XXX Securitization Complete 2017-07-31 08:52:19.000000 Compliance Federal Compliance Compliance Cured 08/01/2017 2 3886532 TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA dues in Section C should be in Section H.       (2017/XX/01): Rec’d LOE, corrected CD and evidence of emailing. Good Faith Redisclosure
275065504 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2008 NY $XXX Reviewed with Exceptions 2017-09-05 15:35:21.000000 Loan Package Documentation Application / Processing Credit Open   1 4157160 Missing Document: Missing Final 1003             Provide missing documentation
275065504 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2008 NY $XXX Reviewed with Exceptions 2017-09-05 15:35:21.000000 Compliance Federal Compliance Compliance Open   2 4163776 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2008.           Provide missing documentation
275065504 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2008 NY $XXX Reviewed with Exceptions 2017-09-05 15:35:21.000000 Compliance Federal Compliance Compliance Open   2 4163777 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065504 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2008 NY $XXX Reviewed with Exceptions 2017-09-05 15:35:21.000000 Compliance Federal Compliance Compliance Open   2 4163778 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 12/14/2017 1 4485100 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.       (2017/XX/14): Received CDA within 10% tolerance Provide missing documentation
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Compliance Federal Compliance Compliance Cleared 10/09/2017 1 4485292 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2017) Verification of Borrower's receipt of the appraisal was not provided.       (2017/XX/09): 10/XX/2017 - Received in trailing documents evidence of when appraisal was received by borrower. Disclosure is date compliant. Exception cleared.  
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Compliance Federal Compliance Compliance Cleared 10/09/2017 1 4485293 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.78520% or Final Disclosure APR of 8.79200% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Higher Priced Mortgage Loan. Compliance report indicates higher priced alert.       (2017/XX/09): Compliance testing conducted following exception clearing changed loan from non-compliant HPML to compliant HPML. New exception opened for compliant HPML.  
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Compliance Federal Compliance Compliance Cleared 10/09/2017 1 4485295 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2017) Verification of Borrower's receipt of the appraisal was not provided.       (2017/XX/09): 10/XX/2017 - Received in trailing documents evidence of when appraisal was received by borrower. Disclosure is date compliant. Exception cleared.  
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Compliance Federal Compliance Compliance Cleared 10/09/2017 1 4485310 TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 09/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/09/XX/2017) Verification of Borrower's receipt of the loan estimate provided on 09/XX/2017 was not provided.       (2017/XX/09): Received disclosure tracking reflecting Final Disclosures sent to borrower. Exception is for Revised LE.

(2017/XX/09): 10/XX/2017 - Received in trailing documents evidence disclosure was received by borrower. Disclosure is date compliant. Exception cleared.		 No Defined Cure
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-06 12:51:03.000000 Credit Miscellaneous Credit Cleared 10/09/2017 1 4485791 Credit Exception:   Gap/Credit refresh within 10 days of closing was not provided.       (2017/XX/09): Received in trailing documents.  
275065812 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2017 SC $XXX Securitization Complete 2017-10-09 13:11:07.000000 Compliance Federal Compliance Compliance Waived 10/09/2017 1 4502515 Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.78520% or Final Disclosure APR of 8.79200% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Compliant Higher Priced Mortgage Loan. Compliance testing conducted following exception clearing changed loan from non-compliant HPML to compliant HPML. New exception opened for compliant HPML.     (2017/XX/09): XXX Accepts    
275065816 XXX XXX XXX XXX Purchase Primary 10/XX/2017 FL $XXX Securitization Complete 2017-10-24 18:47:23.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 12/14/2017 1 4612557 Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.       (2017/XX/14): Received CDA within 10% tolerance Provide missing documentation
275065816 XXX XXX XXX XXX Purchase Primary 10/XX/2017 FL $XXX Securitization Complete 2017-10-24 18:47:23.000000 Compliance Federal Compliance Compliance Cleared 11/09/2017 1 4612702 TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.         (2017/XX/09): Received No Defined Cure
275065816 XXX XXX XXX XXX Purchase Primary 10/XX/2017 FL $XXX Securitization Complete 2017-10-24 18:47:23.000000 Compliance Federal Compliance Compliance Cured 11/10/2017 2 4638141 TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/10/XX/2017) $XXX HOA Dues - 3rd Quarter       (2017/XX/10): Rec'd LOE, corrected CD and evidence of emailing. Letter of Explanation & Corrected Closing Disclosure
275065816 XXX XXX XXX XXX Purchase Primary 10/XX/2017 FL $XXX Securitization Complete 2017-10-24 18:47:23.000000 Compliance Federal Compliance Compliance Cured 11/10/2017 2 4638178 TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   $XXX HOA Dues and $XXX HOA Transfer fees disclosed in Section C vs Section H on Closing Disclosure       (2017/XX/10): Rec'd LOE, corrected CD and evidence of emailing. Good Faith Redisclosure
275065816 XXX XXX XXX XXX Purchase Primary 10/XX/2017 FL $XXX Securitization Complete 2017-10-24 18:47:23.000000 Loan Package Documentation Application / Processing Credit Cleared 11/09/2017 1 4638182 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 10/XX/2017
Inspection Date:		         (2017/XX/09): Property inspected on appraisal 9/XX/17 after XXXe  
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Waived 10/31/2017 2 4640049 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.       (2017/XX/31): XXX accepts this condition.  The lender does not require the affiliated business disclosure.   Provide missing documentation
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Cured 10/24/2017 2 4640056 TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids. (Final/07/XX/2017)         (2017/XX/24): PC CD 08/XX/2017 provided with correction. Letter of Explanation & Corrected Closing Disclosure
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 12/20/2017 1 4640301 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   (2017/XX/01): Seller doesn’t provide secondary valuation   (2017/XX/02): A secondary valuation is required at the time of securitization.

(2017/XX/21): Assign to XXX per KC

(2017/XX/20): Received CDA within 10% tolerance		 Provide missing documentation
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Waived 10/31/2017 2 4648518 TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2017 incorrectly disclosed whether the loan contains a Demand Feature. (Final/07/XX/2017) Per the Note, Demand feature is permissible.     (2017/XX/31): XXX accepts this condition.  The note states no prepayment allowed.   Letter of Explanation & Corrected Closing Disclosure
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Waived 11/02/2017 2 4648520 TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2017 did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/XX/2017) Lender Contact and Contact NMLS ID were not provided on Final CD.     (2017/XX/02): XXX accepts this condition.   Letter of Explanation & Corrected Closing Disclosure
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Waived 10/31/2017 2 4648522 TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/07/XX/2017) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $XXX while closing CD seller's fees total $XXX.   (2017/XX/25): We don’t audit the Sellers CD – this would not have been addressed (2017/XX/31): XXX accepts this condition.  The lender provided the borrower and seller CD but did not disclose all the seller paid fees.   Letter of Explanation & Corrected Closing Disclosure
275065813 XXX XXX XXX XXX Purchase Primary 7/XX/2017 CT $XXX Securitization Complete 2017-10-25 09:58:00.000000 Compliance Federal Compliance Compliance Waived 11/08/2017 2 4648529 TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids. (Final/07/XX/2017) Corrected CD provided.     (2017/XX/08): XXX accepts this condition.  Non material condition.   Letter of Explanation & Corrected Closing Disclosure
275065514 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1995 CA $XXX Reviewed with Exceptions 2017-10-30 07:27:37.000000 Compliance Federal Compliance Compliance Open   2 4657943 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/1995.           Provide missing documentation
275065514 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1995 CA $XXX Reviewed with Exceptions 2017-10-30 07:27:37.000000 Compliance Federal Compliance Compliance Open   2 4657944 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065514 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1995 CA $XXX Reviewed with Exceptions 2017-10-30 07:27:37.000000 Compliance Federal Compliance Compliance Open   2 4657945 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 10.60000% is underdisclosed from calculated APR of 11.16561% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065514 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1995 CA $XXX Reviewed with Exceptions 2017-10-30 07:27:37.000000 Compliance Federal Compliance Compliance Open   2 4657946 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065514 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1995 CA $XXX Reviewed with Exceptions 2017-10-30 07:27:37.000000 Compliance Federal Compliance Compliance Open   2 4657947 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065566 XXX XXX XXX XXX Purchase Primary 4/XX/2006 NC $XXX Reviewed with Exceptions 2017-11-29 16:21:42.000000 Compliance Federal Compliance Compliance Open   2 4934922 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not include $XXX Settlement or Closing Fee at Prepaid finance charge         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065568 XXX XXX XXX XXX Purchase Primary 11/XX/2003 NY $XXX Reviewed with Exceptions 2017-11-29 16:21:42.000000 Loan Package Documentation Application / Processing Compliance Open   1 4935168 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065568 XXX XXX XXX XXX Purchase Primary 11/XX/2003 NY $XXX Reviewed with Exceptions 2017-11-29 16:21:42.000000 Compliance Federal Compliance Compliance Open   2 4935255 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065568 XXX XXX XXX XXX Purchase Primary 11/XX/2003 NY $XXX Reviewed with Exceptions 2017-11-29 16:21:42.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 4935258 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065569 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NJ $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Compliance State Compliance Compliance Open   2 4938853 New Jersey First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NJ) - max late charge for NJ is 4% prior to 11/XX/2003 - note states 5% and is dated 6/XX/2003.          
275065565 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Compliance Federal Compliance Compliance Open   2 4933541 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2009.           Provide missing documentation
275065565 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Compliance Federal Compliance Compliance Open   2 4933542 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065565 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Compliance Federal Compliance Compliance Open   2 4933543 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065565 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Loan Package Documentation Closing / Title Credit Open   1 4933545 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275065567 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2004 MO $XXX Reviewed with Exceptions 2017-11-29 17:34:20.000000 Compliance Federal Compliance Compliance Open   2 4934854 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2004.           Provide missing documentation
275065567 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2004 MO $XXX Reviewed with Exceptions 2017-11-29 17:34:20.000000 Compliance Federal Compliance Compliance Open   2 4934855 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 5.69620% is underdisclosed from calculated APR of 5.87802% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065567 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2004 MO $XXX Reviewed with Exceptions 2017-11-29 17:34:20.000000 Compliance Federal Compliance Compliance Open   2 4934856 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a Processing Fee of $XXX, a Settlement/Closing fee of $XXX, a courier fee of $XXX, an underwriting fee of $XXX and a wire fee of  $XXX as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065525 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4887586 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065525 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4887587 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Calculated Finance Charge is $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065527 XXX XXX XXX XXX Purchase Primary 2/XX/2006 NC $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Loan Package Documentation Application / Processing Credit Open   1 4885755 Missing Document: Missing Final 1003             Provide missing documentation
275065527 XXX XXX XXX XXX Purchase Primary 2/XX/2006 NC $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4887006 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275065528 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4888916 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065528 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4888917 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065528 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4901240 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065529 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance State Compliance Compliance Open   2 4887282 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065530 XXX XXX XXX XXX Purchase Primary 11/XX/1999 MI $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Loan Package Documentation Application / Processing Credit Open   1 4889227 Missing Document: Missing Final 1003             Provide missing documentation
275065530 XXX XXX XXX XXX Purchase Primary 11/XX/1999 MI $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4889984 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 8.48100% is underdisclosed from calculated APR of 8.78038% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065530 XXX XXX XXX XXX Purchase Primary 11/XX/1999 MI $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4889985 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under-disclosure appears to be primarily due to buydown fee of $XXX indicated on HUD to be Lender Funded but then next to the fee it has "b" which typically indicates paid by borrower.  Appears to be error on the HUD.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065531 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4889614 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a Flood cert fee of $XXX, a Settlement fee of $XXX a Tax Service fee of $XXX a Title courier fee of $XXX  , and a Wire fee of $XXX as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Loan Package Documentation Application / Processing Credit Open   1 4889282 Missing Document: Missing Final 1003             Provide missing documentation
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 4889329 (Doc Error) Initial GFE not provided              
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4889385 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   3 4889386 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4889387 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 12/XX/2002.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065532 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4889388 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065533 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4889981 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The itemization of amount financed shows the lender subtracted $XXX from the prepaid finance charges due to a seller credit.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065533 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4894381 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 6.29800% is underdisclosed from calculated APR of 6.49021% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065534 XXX XXX XXX XXX Purchase Primary 8/XX/2003 OH $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Insurance Insurance Documentation Credit Open   1 4902335 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065535 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   1 4889019 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065537 XXX XXX XXX XXX Purchase Primary 3/XX/2004 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4889871 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065539 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OH $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4890054 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2003.           Provide missing documentation
275065540 XXX XXX XXX XXX Purchase Primary 9/XX/2006 LA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4890239 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275065541 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 KS $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4891089 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065542 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892147 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2009.           Provide missing documentation
275065542 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892148 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065542 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2009 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892149 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065543 XXX XXX XXX XXX Purchase Primary 11/XX/2010 NE $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892353 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065543 XXX XXX XXX XXX Purchase Primary 11/XX/2010 NE $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892354 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 4892844 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Loan Package Documentation Closing / Title Credit Open   1 4892845 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 4892846 (Doc Error) Initial GFE not provided              
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4892903 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Loan Package Documentation Closing / Title Credit Open   2 4904528 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065545 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4904548 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2004.           Provide missing documentation
275065547 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2002 NC $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Loan Package Documentation Application / Processing Credit Open   1 4894534 Missing Document: Missing Final 1003             Provide missing documentation
275065547 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2002 NC $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 4894579 (Doc Error) Initial GFE not provided              
275065547 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2002 NC $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894584 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2002.           Provide missing documentation
275065548 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894703 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275065548 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894704 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065548 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894705 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065548 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894706 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065549 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2009 KY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4894893 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2008.           Provide missing documentation
275065549 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2009 KY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   1 4907390 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065551 XXX XXX XXX XXX Purchase Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4896143 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2005.           Provide missing documentation
275065551 XXX XXX XXX XXX Purchase Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance Federal Compliance Compliance Open   2 4896144 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065551 XXX XXX XXX XXX Purchase Primary 1/XX/2006 NY $XXX Reviewed with Exceptions 2017-11-22 10:05:04.000000 Compliance State Compliance Compliance Open   2 4896146 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%          
275065552 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4896462 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065552 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4896463 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 7.83200% is underdisclosed from calculated APR of 7.96778% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065552 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4896464 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065552 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4896465 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065552 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4908923 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2000, prior to three (3) business days from transaction date of 01/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4900394 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4900395 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4900396 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4900397 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4900398 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065554 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4927761 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065555 XXX XXX XXX XXX Purchase Primary 11/XX/2002 TN $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4905840 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the reason for under disclosure due to missing TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065556 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2003 NJ $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance State Compliance Compliance Open   2 4906730 New Jersey First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge on Note of 5% exceeds the NJ State maximum of 4%.          
275065556 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2003 NJ $XXX Reviewed with Exceptions 2017-11-27 16:48:20.000000 Compliance Federal Compliance Compliance Open   2 4906731 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Finance charge under disclosed by $XXX due to Closing/Settlement fee of $XXX not being disclosed on the TIL Itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065557 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 MI $XXX Reviewed with Exceptions 2017-11-28 06:50:03.000000 Compliance Federal Compliance Compliance Open   2 4907852 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2004.           Provide missing documentation
275065557 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 MI $XXX Reviewed with Exceptions 2017-11-28 06:50:03.000000 Compliance State Compliance Compliance Open   2 4907863 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065557 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 MI $XXX Reviewed with Exceptions 2017-11-28 06:50:03.000000 Compliance State Compliance Compliance Open   2 4907864 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065557 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 MI $XXX Reviewed with Exceptions 2017-11-28 06:50:03.000000 Compliance State Compliance Compliance Open   2 4907865 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065560 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 4923499 (Doc Error) Initial GFE not provided              
275065560 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Federal Compliance Compliance Open   2 4923501 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065561 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 NY $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 4925716 (Doc Error) Initial GFE not provided              
275065561 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 NY $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Federal Compliance Compliance Open   2 4925719 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2002.           Provide missing documentation
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 4926605 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 4926612 (Doc Error) Initial GFE not provided              
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Federal Compliance Compliance Open   2 4926649 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Federal Compliance Compliance Open   2 4926651 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the courier fees of $XXX and $XXX and disclosed the settlement fee as $XXX instead of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Loan Package Documentation Application / Processing Credit Open   1 4950332 Missing Document: Missing Final 1003             Provide missing documentation
275065562 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2002 CT $XXX Reviewed with Exceptions 2017-11-28 16:32:20.000000 Compliance Federal Compliance Compliance Open   2 4950530 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2002.           Provide missing documentation
275065563 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2004 CT $XXX Reviewed with Exceptions 2017-11-29 11:13:30.000000 Compliance Federal Compliance Compliance Open   2 4931302 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Loan Package Documentation Application / Processing Compliance Cleared 12/12/2017 1 4900352 Missing Document: Missing Lender's Initial 1003   Missing Signed Initial 1003; File does not contain an initial 1003.       (2017/XX/12): Received in trailing documents. Provide missing documentation
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 04/16/2018 1 4900731 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.       (2018/XX/16): Received CDA within 10% tolerance Provide missing documentation
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Waived 12/13/2017 2 4901915 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether the loan allows for Assumption. (Final/11/XX/2017) Note is assumable and Closing Disclosure reflects loan is not assumable.     (2017/XX/13): XXX accepts   Letter of Explanation & Corrected Closing Disclosure
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/12/2017 1 4901916 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Initial disclosure not provided.       (2017/XX/12): 12/XX/2017 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. No Defined Cure
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/13/2017 1 4906062 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.         (2017/XX/12): Disclosure provided does not contain the required verbiage.

(2017/XX/13): Compliance reviewed attestation provided. Exception cleared.		  
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/12/2017 1 4906063 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Initial disclosure not provided.       (2017/XX/12): 12/XX/2017 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. No Defined Cure
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/12/2017 1 4906064 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. Initial disclosure not provided.       (2017/XX/12): 12/XX/2017 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared. No Defined Cure
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/08/2017 1 4920566 Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Improper calculation method used for Non QM qualifying monthly payment       (2017/XX/08): Additional review of Qualification methods conducted. Compliance testing passed. Exception cleared. Lender to provide updated ATR/QM status
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/08/2017 1 4920567 General Ability To Repay Provision Monthly Payment - Interest-Only Ability-to-Repay (Dodd-Frank 2014): Improper calculation method used for Non QM qualifying monthly payment (interest-only loan with no balloon payment due within first five (5) years). Improper calculation method used for Non QM qualifying monthly payment       (2017/XX/08): Additional review of Qualification methods conducted. Compliance testing passed. Exception cleared.  
275065809 XXX XXX XXX XXX Purchase Primary 11/XX/2017 CA $XXX Securitization Complete 2017-11-26 14:23:41.000000 Compliance Federal Compliance Compliance Cleared 12/08/2017 1 4920568 NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Improper calculation method used for Non QM qualifying monthly payment       (2017/XX/08): Additional review of Qualification methods conducted. Compliance testing passed. Exception cleared.  
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Waived 01/19/2018 2 5284319 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2017 incorrectly disclosed whether the loan allows for Assumption. (Final/12/XX/2017) Note is assumable and Closing Disclosure reflects loan is not assumable.     (2018/XX/19): XXX accepts   Letter of Explanation & Corrected Closing Disclosure
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5284325 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/12/XX/2017)         (2018/XX/17): Cleared with compliance re-run. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/19/2018 1 5284326 TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/12/XX/2017) The CD reflects 113.217% whereas actual is 111.116% using an index value of 1.88428%, the lowest available in the lookback period.       (2018/XX/19): Received confirmation of index used by seller. Available in look back period, compliance testing passed. Letter of Explanation & Corrected Closing Disclosure
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5284327 TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2017 disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/12/XX/2017)         (2018/XX/17): Cleared with compliance re-run. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5284328 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2017)         (2018/XX/17): Cleared with compliance re-run. Letter of Explanation & Corrected Closing Disclosure
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5284333 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7520) Fee was moved from Sec. C on the LE to B on the final CD       (2018/XX/17): Cleared with compliance re-run. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 04/16/2018 1 5284340 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization       (2018/XX/16): Received CDA within 10% tolerance Provide missing documentation
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Insurance Insurance Analysis Credit Cleared 01/17/2018 1 5284342 Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date 01/XX/2018, Note Date 12/XX/2017         (2018/XX/17): Policy expires 12/XX/18.  
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Credit Credit Eligibility Credit Cleared 01/17/2018 1 5284349 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 937.00         (2018/XX/17): < $XXX not required to be paid per guidelines.  
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Waived 01/19/2018 2 5284481 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2017)       (2018/XX/19): XXX accepts (2018/XX/17): Rec'd evidence the borrower was provided a copy of the appraisal 12/XX/17 which is prior to the report date of 12/XX/17.  
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5284482 TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2017 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/12/XX/2017)         (2018/XX/17): Cleared with compliance re-run. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Income / Employment Income Documentation Credit Waived 01/17/2018 2 5286755 Bank Statement program requires a P&L Statement AND Business Bank Statements in addition to Personal Bank Statements. Required income documents are missing.   Exception approved to utilize second Business account with less than 24 months history to validate P&L within tolerance with a compensating factor of residual income of $XXX and DTI of 40.59% with greater than 6 months reserves. Guideline variance approved by lender at time of origination for Residual Income of $XXX.

Guideline variance approved by lender at time of origination with a DTI of 40.59.		   (2018/XX/16): See rebuttal from uw (2018/XX/17): Exception in file to allow 2nd business account with less than 24 month history. Provide missing documentation
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-10 17:02:51.000000 Compliance Federal Compliance Compliance Cleared 01/17/2018 1 5295874 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0)         (2018/XX/17): Cleared with compliance re-run. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-17 12:40:42.000000 Compliance Federal Compliance Compliance Cured 01/17/2018 1 5335688 TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (0)           Final CD evidences Cure
275065810 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2017 WI $XXX Securitization Complete 2018-01-17 12:40:42.000000 Compliance Federal Compliance Compliance Cured 01/17/2018 1 5335689 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7520)           Final CD evidences Cure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Loan Package Documentation Application / Processing Credit Cleared 08/21/2018 1 6399500 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: XXX
Disaster Declaration Date: 01/XX/2018		         (2018/XX/21): Valuation conducted greater than three months after start date and disaster fully contained. Property does not have damage related to the event.  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Credit Credit Calculation / Analysis Credit Waived 05/11/2018 2 6399538 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 679 is less than Guideline representative FICO score of 680. Exception approval in file. Compensating factor of residual income > $XXX, however borrower does not meet the requirement of 12 months reserves. Guideline variance approved by lender at time of origination   (2018/XX/09): Please upload CD to AMC and note the cash-back plus $XXX in XXX and XXX accounts result in 12.28 months reserves.

(2018/XX/09): Please advise AMC to review the final CD for cash-back plus the XXX and XXX acct's. Borrowers have 12.28 months reserves.

(2018/XX/09): Per XXX UW: Please advise them our reserves are based on the initial PITI on the Start Rate, not Fully Indexed. In this case we have:
Assets : $XXX
Cash-out: $XXX
Total Assets: 86,642
PITI: $XXX
PITI / Total Assets =12.28.		 (2018/XX/09): Assets and cash from closing verified. Nothing additional provided for this exception.

(2018/XX/10): PITI of 7,056.48 x 12 = 84,677.76. Borrower does not meet 12 month reserve requirement.

(2018/XX/11): Exception approval provided with compensating factors. Exception waived.		  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Property - Appraisal Appraisal Documentation Credit Cleared 05/09/2018 1 6399648 Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 03/XX/2018         (2018/XX/09): 442 provided in trailing documents. Provide missing documentation
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Waived 05/11/2018 2 6399651 Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 11.18 is less than Guideline PITIA months reserves of 12.00.   Guideline variance approved by lender at time of origination   (2018/XX/09): Please advise AMC to review the final CD for cash-back plus the XXX and XXX acct's. Borrowers have 12.28 months reserves.

(2018/XX/09): Per XXX UW: Please advise them our reserves are based on the initial PITI on the Start Rate, not Fully Indexed. In this case we have:
Assets : $XXX
Cash-out: $XXX
Total Assets: 86,642
PITI: $XXX
PITI / Total Assets =12.28.		 (2018/XX/09): Assets and cash from closing verified. Nothing additional provided for this exception.

(2018/XX/10): PITI of 7,056.48 x 12 = 84,677.76. Borrower does not meet 12 month reserve requirement.

(2018/XX/11): Exception approval provided with compensating factors. Exception waived.		  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cured 05/10/2018 1 6399712 TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/XX/2018) Documents dated 04/XX/18 but loan was signed 04/XX/18.     (2018/XX/09): Please see updated PCCD 05/08 and 05/04 (2018/XX/09): Received corrected PCCD. Missing LOE to borrower.

(2018/XX/10): Received Letter of Explanation & Corrected Closing Disclosure.		 Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cured 05/10/2018 2 6399713 TRID Final Closing Disclosure Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2018 did not disclose number of months for Delinquent Taxes under Prepaids. (Final/04/XX/2018) Delinquent taxes should be in the Payoffs and Payments section on page 3.       (2018/XX/09): Received corrected PCCD. Missing LOE to borrower.

(2018/XX/10): Received Letter of Explanation & Corrected Closing Disclosure.		 Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cleared 05/10/2018 1 6399714 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018) Information not provided       (2018/XX/10): Nothing provided for this exception.

(2018/XX/10): Valid COC with corresponding LE received.		 Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cleared 05/09/2018 1 6399715 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2018, prior to three (3) business days from transaction date of 04/XX/2018.         (2018/XX/09): Additional testing confirms RTC compliant TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cleared 05/10/2018 1 6399719 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75103) Fee was not disclosed on Loan Estimate.       (2018/XX/10): Valid COC with corresponding LE received. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cleared 05/10/2018 1 6399881 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/03/XX/2018) Missing evidence borrower was provided copies of all valuations at closing.       (2018/XX/09): Received evidence of appraisal waiver previously provided. While the borrower waived their rights to receive the appraisal 3 days prior to consummation, the appraisal is still required at or before closing. Evidence appraisal was received has not been provided.

(2018/XX/10): 05/XX/2018 - Received in trailing documents evidence of when appraisal/Valuation was received by borrower. Disclosure is date compliant. Exception cleared.		  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Waived 05/14/2018 2 6399887 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/04/XX/2018) The final CD discloses the loan is not assumable, the note contains assumption language.     (2018/XX/14): XXX accepts this condition.  The lender uses a standard FNMA note that has assumption language.   Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cured 05/10/2018 2 6399906 TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/04/XX/2018) Disclosure reflects TIP of 119.426% but calculated TIP is 117.278%.       (2018/XX/09): Not corrected on PCCD provided. PCCD reflects TIP of 119.361. Actual TIP 117.213. Corrected PCCD and LOE to borrower required.

(2018/XX/10): Received Letter of Explanation & Corrected Closing Disclosure.		 Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cured 05/10/2018 2 6400043 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/04/XX/2018) Disclosure does not reflect an amount for Closing Costs Financed in the Calculating Cash to Close table on page 3 of the CD.       (2018/XX/09): Not corrected on PCCD provided. Closing costs financed equals 13,168.16, disclosure reflects 86,696.96. Corrected PCCD and LOE to borrower required.

(2018/XX/10): Received Letter of Explanation & Corrected Closing Disclosure.		 Letter of Explanation & Corrected Closing Disclosure
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Credit Miscellaneous Credit Cleared 05/09/2018 1 6403689 Credit Exception:   Missing signed XXXX Form.  The form in file is not signed.       (2018/XX/09): Received ALT form in trailing documents.  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Credit Miscellaneous Credit Cleared 05/09/2018 1 6404188 Credit Exception:   Missing compliance report.       (2018/XX/09): Received Compliance Report in trailing documents.  
275065378 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 CA $XXX Securitization Complete 2018-05-08 13:55:20.000000 Compliance Federal Compliance Compliance Cured 05/10/2018 2 6404820 TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Delinquent property taxes are reflected in Section F.  Delinquent taxes should be in the Payoffs and Payments section on page 3.       (2018/XX/09): Corrected PCCD provided. Missing LOE to borrower.

(2018/XX/10): Received Letter of Explanation & Corrected Closing Disclosure.		 Good Faith Redisclosure
275065523 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Reviewed with Exceptions 2018-05-15 17:27:51.000000 Compliance Federal Compliance Compliance Open   2 6445808 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065523 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Reviewed with Exceptions 2018-05-15 17:27:51.000000 Compliance Federal Compliance Compliance Open   2 6445810 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065523 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Reviewed with Exceptions 2018-05-15 17:27:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 6451585 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Loan Package Documentation Application / Processing Credit Open   1 6640218 Missing Document: Missing Final 1003             Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641214 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2008.           Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641217 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641219 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641221 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641222 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641223 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641224 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6641225 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 6641437 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Loan Package Documentation Closing / Title Compliance Open   2 6645891 (Doc Error) TIL Error: Final TIL signed by all required parties is blank   TIL appears to be final but not signed nor initialed by borrower.          
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Compliance Federal Compliance Compliance Open   2 6646022 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065571 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-30 06:26:35.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 6646062 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Loan Package Documentation Application / Processing Credit Open   1 6494213 Missing Document: Missing Final 1003             Provide missing documentation
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 6494712 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 6494721 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance Federal Compliance Compliance Open   2 6495097 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance Federal Compliance Compliance Open   2 6495098 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance Federal Compliance Compliance Open   2 6495099 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance Federal Compliance Compliance Open   2 6495100 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance Federal Compliance Compliance Open   2 6495101 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance State Compliance Compliance Open   2 6495102 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state.            
275065572 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2006 MD $XXX Reviewed with Exceptions 2018-05-25 17:04:08.000000 Compliance State Compliance Compliance Open   2 6495103 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Loan Package Documentation Application / Processing Credit Cleared 06/11/2018 1 6522668 Missing Document: Missing Final 1003   Missing final 1003.       (2018/XX/11): Received Final 1003 in trailing documents. Provide missing documentation
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cleared 06/11/2018 1 6522786 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List provided 04/XX/18 versus initial application date of 3/XX/18.       (2018/XX/11): 06/XX/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.  
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Waived 06/15/2018 2 6522883 TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 05/XX/2018 did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/05/XX/2018) The Lender's contact person name and Contact person's NMLS ID was not provided.     (2018/XX/08): Disregard uploaded condition as it's already been reviewed by AMC

(2018/XX/15): XXX accepts ths condition.  Loan is broker loan who has provided all the required contact information on the CD.  They did not provide the contact information and NMLS number of the LO for the lender which they deem is not required.		 (2018/XX/24): On a wholesale transaction, an EV2 non-material exception will be cited if the following information is missing from Lender Contact column: Individual Lender Contact Name (does not have to be a NMLS licensed individual since primary LO is broker, Email Address and Phone Number.

(2018/XX/11): On a wholesale transaction, an EV2 non-material exception will be cited if the following information is missing from Lender Contact column: Individual Lender Contact Name (does not have to be a NMLS licensed individual since primary LO is broker, Email Address and Phone Number.		 Letter of Explanation & Corrected Closing Disclosure
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cleared 06/11/2018 1 6522884 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 05/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2018) Per Final CD seller paid fees were $XXX and the loan file did not contain a legible seller CD.       (2018/XX/11): Received Seller CD in trailing documents. Letter of Explanation & Corrected Closing Disclosure
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Loan Package Documentation Application / Processing Credit Cleared 08/10/2018 1 6522973 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: XXX
Disaster Declaration Date: 01/XX/2018		 The appraisal report/inspection date was 03/XX/2018.       (2018/XX/10): Valuation conducted greater than four months after start date and disaster fully contained. Property does not have damage related to the event.  
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 08/29/2018 1 6522988 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.       (2018/XX/29): Received CDA within tolerance Provide missing documentation
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cleared 06/11/2018 1 6569350 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2018)         (2018/XX/11): 06/XX/2018 - Received in trailing documents evidence of when appraisal/Valuation was received by borrower. Disclosure is date compliant. Exception cleared.  
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cleared 06/11/2018 1 6569351 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.03910% or Final Disclosure APR of 7.09500% is in excess of allowable threshold of APOR 4.43% + 1.5%, or 5.93000%.  Non-Compliant Higher Priced Mortgage Loan.         (2018/XX/11): Compliance testing conducted following exception clearing changed loan from non-compliant HPML to compliant HPML. New exception opened for compliant HPML.  
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cleared 06/11/2018 1 6569352 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2018)         (2018/XX/11): 06/XX/2018 - Received in trailing documents evidence of when appraisal/Valuation was received by borrower. Disclosure is date compliant. Exception cleared.  
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-05-21 10:40:49.000000 Compliance Federal Compliance Compliance Cured 06/14/2018 1 6569353 TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 05/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/05/XX/2018) The CD reflects 5/XX/18 whereas the notary date on the security instrument is 5/XX/18.       (2018/XX/11): Received corrected PCCD, Missing LOE to borrower.

(2018/XX/14): Received Letter of Explanation & Corrected Closing Disclosure		 Letter of Explanation & Corrected Closing Disclosure
275065379 XXX XXX XXX XXX Purchase Primary 5/XX/2018 CA $XXX Securitization Complete 2018-06-11 12:11:31.000000 Compliance Federal Compliance Compliance Waived 06/11/2018 2 6820002 TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/05/XX/2018) ADDED 06/XX/2018 following receipt of Seller Cd in trailing documents.     (2018/XX/11): XXX Accepts   Letter of Explanation & Corrected Closing Disclosure
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Loan Package Documentation Application / Processing Credit Cleared 09/29/2017 1 6678960 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Date:
Inspection Date:		 XXX       (2018/XX/30): Updated inspection completed on 09/XX/2017 was provided and property was found to be without damage and in acceptable condition.  
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 12/14/2017 1 6678961 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.       (2018/XX/30): Received CDA within 10% tolerance Provide missing documentation
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 09/26/2017 1 6678962 (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower         (2018/XX/30): CHD-4410 okay to clear based on "The broker made an error in completing the document as he did. There is no affiliated business arrangement as described below between these two parties. This has been confirmed by the Title Company and the Mortgage Broker. . "  
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 09/26/2017 1 6678963 (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days.         (2018/XX/30): CHD-4410 okay to clear based on "The broker made an error in completing the document as he did. There is no affiliated business arrangement as described below between these two parties. This has been confirmed by the Title Company and the Mortgage Broker. .  
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 09/26/2017 1 6678964 (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.30735% is in excess of the allowable maximum of  5.00000% of the Federal Total Loan Amount. Points and Fees of $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .30735%).  Non-Compliant High Cost Loan.         (2018/XX/30): CHD-4410 okay to clear based on "The broker made an error in completing the document as he did. There is no affiliated business arrangement as described below between these two parties. This has been confirmed by the Title Company and the Mortgage Broker. . (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 09/26/2017 1 6678965 (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.         (2018/XX/30): CHD-4410 okay to clear based on "The broker made an error in completing the document as he did. There is no affiliated business arrangement as described below between these two parties. This has been confirmed by the Title Company and the Mortgage Broker. .  
275065814 XXX XXX XXX XXX Purchase Primary 8/XX/2017 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Compliance Federal Compliance Compliance Cleared 09/19/2017 1 6678966 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.         (2018/XX/30): received LO disclosure  
275065811 XXX XXX XXX XXX Purchase Investment 1/XX/2018 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 03/22/2018 1 6679623 Missing secondary valuation product required for securitization.           (2018/XX/30): Received ClearCapital Desktop Analysis. Provide missing documentation
275065811 XXX XXX XXX XXX Purchase Investment 1/XX/2018 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Loan Package Documentation Application / Processing Credit Cleared 03/01/2018 1 6679624 Missing Document: Other not provided   Missing Automatic Debt Payment Agreement   and signed IRS form W-8BEN as required on Foreign National programs.       (2018/XX/30): Not required by Oaktree Guidelines Provide missing documentation
275065811 XXX XXX XXX XXX Purchase Investment 1/XX/2018 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Credit Credit Documentation Credit Cleared 03/27/2018 1 6679625 Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing letter of reference verifying $XXX PITI and 0x30x24 history for borrower's primary residence as required on Foreign National program.       (2018/XX/30): No DTI, taxes and insurance not required.

(2018/XX/30): Received same letter

(2018/XX/30): Received CPA letter stating owned free and clear, but nothing regarding insurance and taxes for primary residence.		 Provide missing documentation
275065811 XXX XXX XXX XXX Purchase Investment 1/XX/2018 FL $XXX Securitization Complete 2018-05-30 09:51:49.000000 Asset Asset Documentation Credit Cleared 03/09/2018 1 6679626 Guideline Issue: Insufficient asset documentation. Financial Institution: XXX // Account Type: Money Markets / Account Number: XXX Guidelines require 60 day seasoning, file has statement verifying funds from 1/XX/2018 to 1/XX/2018.       (2018/XX/30): Received statement from 11/XX/17 through 12/XX/17  
275065574 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2009 FL $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6973296 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2009, prior to three (3) business days from transaction date of 07/XX/2009.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065574 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2009 FL $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6973297 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065575 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968372 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2007.           Provide missing documentation
275065575 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968373 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Loan Package Documentation Application / Processing Credit Open   1 6968733 Missing Document: Missing Final 1003             Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968774 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   3 6968777 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968778 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 04/XX/2004.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   3 6968780 (Missing Data) Missing Information to Determine LTV Unable to determine LTV or CLTV due to missing information.  State compliance testing is unreliable.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968782 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Federal Compliance Compliance Open   2 6968783 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 6968785 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065576 XXX XXX XXX XXX UTD UTD Primary 10/XX/2004 KS $XXX Reviewed with Exceptions 2018-06-27 15:49:34.000000 Compliance Miscellaneous Compliance Compliance Open   2 6968786 (Doc Error) Initial GFE not provided              
275065577 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6972809 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2006.           Provide missing documentation
275065577 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6972810 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Loan Package Documentation Application / Processing Credit Open   1 6978441 Missing Document: Missing Final 1003             Provide missing documentation
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 6978608 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 6978620 (Doc Error) Initial GFE not provided              
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 6978635 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Compliance Federal Compliance Compliance Open   2 6978661 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Compliance Federal Compliance Compliance Open   3 6978662 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Compliance Federal Compliance Compliance Open   2 6978664 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 09/XX/2000.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065578 XXX XXX XXX XXX Purchase Primary 3/XX/2001 MI $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Compliance Federal Compliance Compliance Open   2 6978665 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065579 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2018-06-27 05:02:50.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 6980471 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
275065580 XXX XXX XXX XXX Purchase Primary 12/XX/2003 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Loan Package Documentation Application / Processing Credit Open   1 6990470 Missing Document: Missing Final 1003             Provide missing documentation
275065580 XXX XXX XXX XXX Purchase Primary 12/XX/2003 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990488 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2003.           Provide missing documentation
275065580 XXX XXX XXX XXX Purchase Primary 12/XX/2003 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990489 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065580 XXX XXX XXX XXX Purchase Primary 12/XX/2003 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990490 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065581 XXX XXX XXX XXX Purchase Primary 1/XX/2005 WA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990692 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065581 XXX XXX XXX XXX Purchase Primary 1/XX/2005 WA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990693 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065581 XXX XXX XXX XXX Purchase Primary 1/XX/2005 WA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6990695 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065581 XXX XXX XXX XXX Purchase Primary 1/XX/2005 WA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7039854 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275065582 XXX XXX XXX XXX Purchase Primary 2/XX/2008 TX $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 6991173 (Doc Error) Initial GFE not provided              
275065582 XXX XXX XXX XXX Purchase Primary 2/XX/2008 TX $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 6991219 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2007.           Provide missing documentation
275065583 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 6992788 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065584 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 6995400 (Doc Error) Initial GFE not provided              
275065584 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6995417 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275065584 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6995422 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065584 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6995434 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Loan Package Documentation Application / Processing Credit Open   1 6996307 Missing Document: Missing Final 1003             Provide missing documentation
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 6996397 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 6996400 (Doc Error) Initial GFE not provided              
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6996509 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 6996510 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7053311 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065585 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 IL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7053312 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065586 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NC $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Compliance Federal Compliance Compliance Open   3 7055566 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065586 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NC $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Compliance Federal Compliance Compliance Open   2 7055567 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065587 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 IN $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Loan Package Documentation Application / Processing Credit Open   1 6999862 Missing Document: Missing Final 1003             Provide missing documentation
275065587 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 IN $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 7000056 (Doc Error) Initial GFE not provided              
275065587 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 IN $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7000179 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2002.           Provide missing documentation
275065587 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 IN $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7000180 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065587 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 IN $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7000181 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065588 XXX XXX XXX XXX Refinance Rate/Term Investment 11/XX/2005 WA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7007788 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065589 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 7009286 (Doc Error) Initial GFE not provided              
275065589 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 7009287 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065589 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7009399 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OR $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   3 7010107 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OR $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7010108 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Closing / Title Compliance Open   3 7012040 Missing Document: Note - Subject Lien not provided             Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Application / Processing Compliance Open   1 7012041 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Application / Processing Credit Open   1 7012042 Missing Document: Missing Final 1003             Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 7013069 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 7013072 (Doc Error) Initial GFE not provided              
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Closing / Title Compliance Open   3 7013095 Missing Final HUD-1             Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Closing / Title Compliance Open   2 7013101 TILA - Final TIL Missing             Provide missing documentation
275065591 XXX XXX XXX XXX UTD UTD UTD 12/XX/2005 FL $XXX Reviewed with Exceptions 2018-07-05 09:07:28.000000 Loan Package Documentation Loan File Compliance Open   3 7013110 (Missing Doc) Incomplete loan images/file   File only contains Mortgage and Preliminary Title.  Insufficient documents to complete compliance.         Provide missing documentation
275065592 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7014998 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065592 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7014999 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065592 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 PA $XXX Reviewed with Exceptions 2018-06-30 15:19:15.000000 Compliance Federal Compliance Compliance Open   2 7015000 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   1 7036971 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 7036972 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 7036973 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2005.           Provide missing documentation
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 7036974 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 7036975 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065595 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 7036977 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065597 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Reviewed with Exceptions 2018-07-06 05:30:19.000000 Loan Package Documentation Closing / Title Compliance Open   2 7050340 (Doc Error) TIL Error: Final TIL not signed by all required parties   Final Truth in Lending statement was not signed by non-borrowing co-owner.          
275065597 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Reviewed with Exceptions 2018-07-06 05:30:19.000000 Compliance Federal Compliance Compliance Open   2 7050448 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2006.           Provide missing documentation
275065598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NJ $XXX Reviewed with Exceptions 2018-06-22 07:57:22.000000 Compliance Federal Compliance Compliance Open   2 6910280 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2000.           Provide missing documentation
275065598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NJ $XXX Reviewed with Exceptions 2018-06-22 07:57:22.000000 Compliance Federal Compliance Compliance Open   2 6910282 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NJ $XXX Reviewed with Exceptions 2018-06-22 07:57:22.000000 Compliance Federal Compliance Compliance Open   2 6910283 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NJ $XXX Reviewed with Exceptions 2018-06-22 07:57:22.000000 Loan Package Documentation Application / Processing Credit Open   1 6910327 Missing Document: Missing Final 1003             Provide missing documentation
275065442 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-06 05:30:19.000000 Compliance Federal Compliance Compliance Open   3 7105015 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065442 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Reviewed with Exceptions 2018-07-06 05:30:19.000000 Compliance Federal Compliance Compliance Open   2 7105016 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275065599 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 IL $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6929792 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065599 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 IL $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 6929793 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275065600 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2018-07-06 05:30:19.000000 Compliance Federal Compliance Compliance Open   2 6941211 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065593 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 IL $XXX Loan Review Complete 2018-07-05 10:01:08.000000 Compliance Federal Compliance Compliance Open   3 7111222 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Please attest lender originated file as High Priced.         Lender to provide updated ATR/QM status
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Cured 08/17/2018 2 7528320 TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2018 incorrectly disclosed whether the loan contains a Demand Feature. (Final/07/XX/2018) No box checked on the CD.       (2018/XX/17): Received Letter of Explanation & Corrected Closing Disclosure. Letter of Explanation & Corrected Closing Disclosure
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Cleared 08/16/2018 1 7528402 TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL not found in the loan file.       (2018/XX/16): AMC received SSPL issued on 6/XX/18 to Borrower. No Defined Cure
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Cleared 08/16/2018 1 7528407 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2018) Due to missing revised LE and COC form.       (2018/XX/16): AMC received missing LE issued 7/XX/18 with valid COC form. Letter of Explanation & Corrected Closing Disclosure
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Waived 08/17/2018 2 7528447 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/07/XX/2018) Closing costs financed were not disclosed on Final CD.
Corrected PC CD issued on 08/XX/2018 reflects correct amount.		     (2018/XX/17): XXX accepts   Letter of Explanation & Corrected Closing Disclosure
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Cured 08/17/2018 2 7528491 TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2018 incorrectly disclosed whether the loan allows for Partial Payments. (Final/07/XX/2018) No box for payments checked on CD.       (2018/XX/17): Received Letter of Explanation & Corrected Closing Disclosure. Letter of Explanation & Corrected Closing Disclosure
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Compliance Federal Compliance Compliance Cleared 08/16/2018 1 7534089 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7325) Missing revised LE issued 07/XX/2018 and COC form.       (2018/XX/16): AMC received missing LE issued 7/XX/18 with valid COC form. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Credit Miscellaneous Credit Cleared 08/15/2018 1 7582805 Credit Exception:   Gap/Credit refresh report within 10 calendar days of closing not provided.       (2018/XX/15): Gap/Credit refresh report dated 07/XX/2018 provided. Exception cleared.  
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Income / Employment Income Documentation Credit Cleared 08/15/2018 1 7582964 Income Docs Missing: Borrower: XXX Third Party Verification Missing 3rd party verification within 10 calendar days of closing for business XXX.  VOE in file states verification was done on 07/XX/2018 via CPA letter, however, the file does not contain a CPA letter dated within this time frame and no other 3rd party verification provided.       (2018/XX/15): Third Party Verification provided dated 08/XX/2018. Exception cleared. Provide missing documentation
275065818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 HI $XXX Securitization Complete 2018-08-10 10:21:56.000000 Income / Employment Income Documentation Credit Cleared 08/15/2018 1 7582969 Income Docs Missing:   Missing 3rd party verification within 10 calendar days of closing for business XXX.  VOE in file states verification was done on 07/XX/2018 via CPA letter, however, the file does not contain a CPA letter dated within this time frame and no other 3rd party verification provided.       (2018/XX/15): Third Party Verification provided dated 08/XX/2018. Exception cleared. Provide missing documentation
275065817 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 CA $XXX Securitization Complete 2018-09-04 15:21:41.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 09/07/2018 1 7929271 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.96925% exceeds Guideline total debt ratio of 43.00000%. Using a 2 year average of co-borrower's bonus income per guidelines results in a DTI of 47%.     (2018/XX/06): Excluding the $XXX XXX payment due to <10 payments remaining results in a DTI of 42.26% which is within guidelines. Please clear. (2018/XX/07): Exclusion of Installment debt less than 10 months results ins a DTI of 42.29. DTI within guidelines. Exception cleared.  
275065817 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 CA $XXX Securitization Complete 2018-09-04 15:21:41.000000 Compliance Federal Compliance Compliance Cleared 09/07/2018 1 7930909 Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI     (2018/XX/06): Please see comments on DTI and BK conditions. (2018/XX/07): Exclusion of Installment debt less than 10 months results ins a DTI of 42.29. DTI within guidelines. Exception cleared. Lender to provide updated ATR/QM status
275065817 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 CA $XXX Securitization Complete 2018-09-04 15:21:41.000000 Compliance Federal Compliance Compliance Cleared 09/07/2018 1 7930911 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI     (2018/XX/06): Please see comments on DTI and BK conditions. (2018/XX/07): Exclusion of Installment debt less than 10 months results ins a DTI of 42.29. DTI within guidelines. Exception cleared.  
275065817 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 CA $XXX Securitization Complete 2018-09-04 15:21:41.000000 Compliance Federal Compliance Compliance Waived 10/11/2018 2 7930917 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/08/XX/2018) The final CD discloses the loan is not assumable, the note contains assumption language.     (2018/XX/07): XXX accepts (2018/XX/10): Client accepts and elects to waive.

(2018/XX/11): Client accepts		 Letter of Explanation & Corrected Closing Disclosure
275065817 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 CA $XXX Securitization Complete 2018-09-04 15:21:41.000000 Credit Credit Eligibility Credit Waived 09/07/2018 2 7939528 Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter 11 Bankruptcy paid at closing.  Guidelines require discharge prior to closing.  The file contains a lender exception, however, the borrower does not have 25 mos. reserves as indicated in compensating factors due to expired asset statements.  The borrower has 6.56 mos. verified reserves. 60.61% < 65% max LTC per guidelines

$XXX+ residual income		   (2018/XX/06): Documentation in file shows Bk case account was 'closed' and borrower was on a modified repayment plan. Please clear. (2018/XX/07): Loan Exception Approval in file. Reserves lower than approval due to paying off bankruptcy and tax liens.  
275065417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8812049 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8812050 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065441 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 AZ $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8839962 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647515 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647516 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2005.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647517 (TX50(a)(6)) Texas Cash-out Loan  (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647518 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647519 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647520 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065544 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8647521 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065564 XXX XXX XXX XXX Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8693985 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the under disclosure due to the missing TIL Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065564 XXX XXX XXX XXX Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8693987 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065602 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 8637449 (Doc Error) Initial GFE not provided              
275065602 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8637618 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   1 8633191 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8633200 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 5.26000% is underdisclosed from calculated APR of 5.97749% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8633201 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears the lender used an index lower than 3.74060%, which is the lowest rate in the look back period.  Unable to identify which is correct index due to missing source document.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8656474 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2005.           Provide missing documentation
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8656476 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065603 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8656478 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065604 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   1 8634705 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065604 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8634707 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2006.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Loan Package Documentation Application / Processing Credit Open   1 8634573 Missing Document: Missing Final 1003             Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649060 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   3 8649061 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649062 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649064 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649065 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 8649074 (Doc Error) Initial GFE not provided              
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 8649075 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065605 XXX XXX XXX XXX UTD UTD UTD 4/XX/2008 CA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8664328 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065607 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 3/XX/2006 VA $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8635784 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Loan Package Documentation Application / Processing Credit Open   1 8649372 Missing Document: Missing Final 1003             Provide missing documentation
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649515 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649516 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2005.           Provide missing documentation
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649517 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649518 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065608 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8649554 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065609 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Loan Package Documentation Application / Processing Credit Open   1 8639335 Missing Document: Missing Final 1003             Provide missing documentation
275065609 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8639556 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2004.           Provide missing documentation
275065609 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Compliance Federal Compliance Compliance Open   2 8667761 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065610 XXX XXX XXX XXX Purchase Primary 2/XX/2004 MI $XXX Loan Review Complete 2018-10-23 06:53:41.000000 Loan Package Documentation Closing / Title Compliance Open   2 8655986 (Doc Error) TIL Error: Borrower signature not dated.              
275065611 XXX XXX XXX XXX Purchase Primary 1/XX/2006 NV $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8641467 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065611 XXX XXX XXX XXX Purchase Primary 1/XX/2006 NV $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 8668727 (Doc Error) TIL Error: Borrower signature not dated.              
275065612 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8640804 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2005.           Provide missing documentation
275065612 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8640805 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065612 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8640806 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MO $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8651476 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275065613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MO $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8651478 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065614 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8653137 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization does not include a Subordination Recording fee of $XXX in the prepaid amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065614 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8672937 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065615 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2003 IL $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8652225 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2003.           Provide missing documentation
275065615 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2003 IL $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8652227 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065615 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2003 IL $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8652228 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065616 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8654578 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065616 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8672999 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065616 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8673001 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
275065616 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8673002 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
275065617 XXX XXX XXX XXX Purchase Primary 9/XX/2006 AR $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 8653711 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065617 XXX XXX XXX XXX Purchase Primary 9/XX/2006 AR $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8653925 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275065617 XXX XXX XXX XXX Purchase Primary 9/XX/2006 AR $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8654006 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065617 XXX XXX XXX XXX Purchase Primary 9/XX/2006 AR $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 8673478 (Doc Error) TIL Error: Borrower signature not dated.              
275065618 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8657745 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065619 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2002 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8656143 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2002.           Provide missing documentation
275065619 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2002 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8656145 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065619 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2002 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8656146 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065619 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2002 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 8656242 (Doc Error) Initial GFE not provided              
275065620 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 FL $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8674328 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065620 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 FL $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8674329 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8665247 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8665249 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance State Compliance Compliance Open   2 8665250 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8665251 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8679355 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   3 8679356 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8679357 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 05/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065621 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 SC $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8679358 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Application / Processing Credit Open   1 8664732 Missing Document: Missing Final 1003             Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8664832 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/1998 used as disbursement date for compliance testing.           Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   3 8664833 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8664834 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/1998 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/1997.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8664835 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8664836 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8664837 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8664840 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8664872 (Doc Error) Initial GFE not provided              
275065622 XXX XXX XXX XXX UTD UTD UTD 4/XX/1998 LA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8664874 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   3 8666575 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666577 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2006.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666580 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666584 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666585 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Miscellaneous Compliance Compliance Open   2 8666610 (Doc Error) Initial GFE not provided              
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Miscellaneous Compliance Compliance Open   2 8666623 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Application / Processing Credit Open   1 8666641 Missing Document: Missing Final 1003             Provide missing documentation
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance State Compliance Compliance Open   2 8666706 Virginia Tangible Net Benefit Test Virginia Mortgage Lender and Broker Act:  Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.            
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8679678 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065623 XXX XXX XXX XXX UTD UTD UTD 4/XX/2007 VA $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Closing / Title Credit Open   2 8680183 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Homestead Exemption Waiver            
275065624 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2003 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8666625 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065628 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 OK $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8682454 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065628 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 OK $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8682455 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065628 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 OK $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8682456 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065629 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2002 CT $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Application / Processing Credit Open   1 8671280 Missing Document: Missing Final 1003             Provide missing documentation
275065629 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2002 CT $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Miscellaneous Compliance Compliance Open   2 8671639 (Doc Error) Initial GFE not provided              
275065629 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2002 CT $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8671691 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2001.           Provide missing documentation
275065629 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2002 CT $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8671692 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065629 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2002 CT $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8671693 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065632 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 TX $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8676706 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065632 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 TX $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Closing / Title Compliance Open   2 8688721 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed or initialed by borrower          
275065634 XXX XXX XXX XXX Purchase Primary 11/XX/2007 MI $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Application / Processing Credit Open   1 8674245 Missing Document: Missing Final 1003             Provide missing documentation
275065635 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 NC $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8677609 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065635 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 NC $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8677616 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization does not include a Settlement fee of $XXX but does include Lenders Title insurance of $XXX in the prepaid amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065635 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 NC $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8689008 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065637 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8676823 (Doc Error) Initial GFE not provided              
275065637 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   3 8676997 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065637 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8676998 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275065637 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8677000 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065638 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Loan Package Documentation Application / Processing Compliance Open   1 8677659 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065638 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8678074 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065638 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8678150 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275065638 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8678193 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065638 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 2018-10-25 07:19:29.000000 Compliance Federal Compliance Compliance Open   2 8689154 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065639 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8677523 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065639 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8677525 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065639 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689445 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065640 XXX XXX XXX XXX Purchase Primary 5/XX/2001 GA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8677875 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065641 XXX XXX XXX XXX Purchase Primary 7/XX/2007 UT $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   1 8679056 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065641 XXX XXX XXX XXX Purchase Primary 7/XX/2007 UT $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8679057 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275065641 XXX XXX XXX XXX Purchase Primary 7/XX/2007 UT $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 8689408 (Doc Error) Initial GFE not provided              
275065642 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 VA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8680472 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2008.           Provide missing documentation
275065642 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 VA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8680474 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065644 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NJ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   1 8681206 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065644 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NJ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8681207 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065644 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NJ $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8681208 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065645 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8680053 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065645 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8692426 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2003.           Provide missing documentation
275065646 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 VA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Loan Package Documentation Application / Processing Credit Open   1 8693450 Missing Document: Missing Final 1003             Provide missing documentation
275065647 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8681342 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065650 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8682398 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065650 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8682400 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Loan Package Documentation Application / Processing Credit Open   1 8682255 Missing Document: Missing Final 1003             Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8682500 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Miscellaneous Compliance Compliance Open   2 8682527 (Doc Error) Initial GFE not provided              
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   2 8682565 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   3 8682566 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   2 8682567 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2000.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   2 8682570 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   2 8682571 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065651 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2001 CA $XXX Loan Review Complete 2018-10-30 06:46:11.000000 Compliance Federal Compliance Compliance Open   2 8776332 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065652 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8644400 (Doc Error) Initial GFE not provided              
275065652 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8644402 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065652 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8644403 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065652 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8644404 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 5.54140% is underdisclosed from calculated APR of 5.82966% outside of 0.125% tolerance. Closing instructions indicate the Index used was 3.32%. The closest Index available in our look-back period is 3.7205%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065652 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8644405 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Closing instructions indicate the Index used was 3.32%. The closest Index available in our look-back period is 3.7205%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065653 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/1998 AL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8713403 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065655 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 NY $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   1 8686140 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8687149 (Doc Error) Initial GFE not provided   No GFEs in file.          
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8687208 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8687212 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8687213 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8687226 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065656 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2012 TX $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8687230 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under-disclosure as no Itemization of Amount Financed provided.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Application / Processing Credit Open   1 8645224 Missing Document: Missing Final 1003             Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8645258 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   3 8645259 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8645260 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 03/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8645261 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8645262 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8645264 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065657 XXX XXX XXX XXX UTD UTD Primary 9/XX/2007 AZ $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 8645266 (Doc Error) Initial GFE not provided              
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8689446 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689802 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689803 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689804 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689805 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689806 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689807 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065658 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2012 WA $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8689808 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. Appears to be fee related         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Loan Package Documentation Application / Processing Credit Open   1 8689984 Missing Document: Missing Final 1003             Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8690124 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 8690144 (Doc Error) Initial GFE not provided              
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 8690146 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690433 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2012 used as disbursement date for compliance testing.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   3 8690434 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690435 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2011.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690436 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690438 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690439 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8690440 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8690441 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance State Compliance Compliance Open   2 8690443 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690444 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690445 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065659 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2012 MI $XXX Loan Review Complete 2018-10-25 06:51:45.000000 Compliance Federal Compliance Compliance Open   2 8690446 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065660 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8691459 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065660 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8708074 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065661 XXX XXX XXX XXX Purchase Primary 5/XX/2008 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8699092 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065661 XXX XXX XXX XXX Purchase Primary 5/XX/2008 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 8699143 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065662 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 OR $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8707022 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2004.           Provide missing documentation
275065664 XXX XXX XXX XXX Purchase Primary 7/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Loan Package Documentation Application / Processing Credit Open   1 8712716 Missing Document: Missing Final 1003             Provide missing documentation
275065664 XXX XXX XXX XXX Purchase Primary 7/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8714826 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2003.           Provide missing documentation
275065664 XXX XXX XXX XXX Purchase Primary 7/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8714827 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065664 XXX XXX XXX XXX Purchase Primary 7/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8714828 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065665 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8717493 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065666 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2009 NY $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8719034 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065666 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2009 NY $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8719036 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 IA $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 8718965 (Doc Error) Initial GFE not provided              
275065667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 IA $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   3 8719052 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 IA $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8719053 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2003.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 IA $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8719055 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 IA $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8719056 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065669 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Loan Package Documentation Application / Processing Compliance Open   1 8726713 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065669 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8727082 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065669 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8727083 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065669 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2018-10-29 13:06:17.000000 Compliance Federal Compliance Compliance Open   2 8727093 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275065670 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 NV $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8728688 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the settlement fee of $XXX and courier fee of $XXX as prepaid finance charges. Itemization over disclosed the prepaid interest by $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065671 XXX XXX XXX XXX Purchase Primary 12/XX/2005 TX $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8728942 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8732004 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2002.           Provide missing documentation
275065672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8732005 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8732006 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065673 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2008 CO $XXX Loan Review Complete 2018-10-30 14:53:52.000000 Compliance State Compliance Compliance Open   2 8733974 Colorado Home Loan (Ability to Repay not Verified) Colorado Home Loan (HB1322):  Borrower’s ability to repay not verified with reliable documentation. A verification of employment was not located in the loan file.          
275065673 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2008 CO $XXX Loan Review Complete 2018-10-30 14:53:52.000000 Compliance Federal Compliance Compliance Open   2 8733975 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The Lender Fee to XXX in the amount of $XXX was not included in the Lenders Finance Charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065674 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8733960 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065675 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 WA $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8756979 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Loan Package Documentation Application / Processing Credit Open   1 8736585 Missing Document: Missing Final 1003             Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 8736762 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title reports         Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 8736823 (Doc Error) Initial GFE not provided              
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 8736847 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8736969 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   3 8736970 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8736971 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2002.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8736972 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8736974 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8736976 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065676 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 FL $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8737002 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065677 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 NY $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8753794 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065677 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 NY $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8753795 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065678 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Loan Package Documentation Application / Processing Credit Open   1 8745809 Missing Document: Missing Final 1003             Provide missing documentation
275065678 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8745822 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2002.           Provide missing documentation
275065678 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 NY $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 8745823 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065680 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8749690 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065680 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8749691 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065680 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8749692 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065680 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8749696 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. There is a Lender credit on line 802 for $XXXwhich is un-itemized therefore excluded.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8752854 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2002.           Provide missing documentation
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8752856 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8752858 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8752859 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Miscellaneous Compliance Compliance Open   2 8752926 (Doc Error) Initial GFE not provided              
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 8752937 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065681 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8766477 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065682 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2009 MA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8752232 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065682 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2009 MA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance State Compliance Compliance Open   2 8752234 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Loan Package Documentation Application / Processing Credit Open   1 8753638 Missing Document: Missing Final 1003             Provide missing documentation
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 8753987 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Miscellaneous Compliance Compliance Open   2 8754014 (Doc Error) Initial GFE not provided              
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8754029 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   3 8754032 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8754033 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 03/XX/2008.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8754036 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065683 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2008 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8754037 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065685 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 NY $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8761126 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2002.           Provide missing documentation
275065686 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 IL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8779884 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065686 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 IL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8779885 SAFE Act - Individual LO NMLS license status not approved Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.            
275065686 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 IL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8779890 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065686 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 IL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8780214 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065687 XXX XXX XXX XXX Purchase Primary 7/XX/2002 NY $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8770059 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065687 XXX XXX XXX XXX Purchase Primary 7/XX/2002 NY $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8770060 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the settlement fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Loan Package Documentation Application / Processing Credit Open   1 8765643 Missing Document: Missing Final 1003             Provide missing documentation
275065688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8767219 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2001.           Provide missing documentation
275065688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8767220 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 7.93700% is underdisclosed from calculated APR of 8.09194% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8767221 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an attorney review fee of $XXX a commitment fee of $XXX, a title courier fee of $XXX and a wire fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065689 XXX XXX XXX XXX Purchase Primary 9/XX/2007 TN $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 8773759 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065689 XXX XXX XXX XXX Purchase Primary 9/XX/2007 TN $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Insurance Insurance Documentation Credit Open   1 8788194 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065690 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 DE $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8777520 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065690 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 DE $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8789885 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065691 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 WA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8777908 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2008.           Provide missing documentation
275065691 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 WA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance State Compliance Compliance Open   2 8777909 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
275065693 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8778249 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065694 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance State Compliance Compliance Open   2 8781080 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
275065694 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8781081 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a subordination recording fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065695 XXX XXX XXX XXX Purchase Primary 10/XX/2006 GA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8781751 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065695 XXX XXX XXX XXX Purchase Primary 10/XX/2006 GA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8781752 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065696 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2013 MD $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance State Compliance Compliance Open   2 8785507 Maryland Property Insurance (Property Insurance Exceeds Replacement Value) Maryland HB649:  Property insurance exceeds the replacement value of the property.            
275065697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8793562 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2008.           Provide missing documentation
275065697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8816957 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a recording service fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065698 XXX XXX XXX XXX Purchase Primary 11/XX/2006 FL $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8805942 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275065699 XXX XXX XXX XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8799739 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. There is a Seller credit on page one of HUD for $XXX which is not itemized therefore excluded.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065700 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8799838 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2006.           Provide missing documentation
275065700 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8799839 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065700 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 8799851 (Doc Error) Initial GFE not provided              
275065702 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 OH $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   1 8807776 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065702 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 OH $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance State Compliance Compliance Open   2 8807780 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275065703 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8806833 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065703 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8824471 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2007.           Provide missing documentation
275065703 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8824472 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065704 XXX XXX XXX XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8808439 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2003.           Provide missing documentation
275065704 XXX XXX XXX XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8808441 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065704 XXX XXX XXX XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8824220 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   1 8807943 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065707 XXX XXX XXX XXX Purchase Primary 9/XX/2002 VA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8811930 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the $XXX settlement fee or the $XXX courier as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065707 XXX XXX XXX XXX Purchase Primary 9/XX/2002 VA $XXX Loan Review Complete 2018-11-01 16:47:16.000000 Compliance Federal Compliance Compliance Open   2 8811966 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275065709 XXX XXX XXX XXX Purchase Primary 9/XX/2007 GA $XXX Loan Review Complete 2018-11-02 12:53:10.000000 Compliance Federal Compliance Compliance Open   2 8818232 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2007.           Provide missing documentation
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Title General Credit Cleared 10/29/2018 1 8684970 Final Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file.         (2018/XX/29): 10/XX/2018 - Rec'd Title Commitment supplement with correct  policy amount of $XXX.  
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Compliance Federal Compliance Compliance Cured 10/23/2018 1 8685438 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506) $XXX tolerance cure provided to borrower.         Final CD evidences Cure
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Compliance Federal Compliance Compliance Waived 10/30/2018 2 8686167 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/10/XX/2018) Loan provides for assumption once it becomes an ARM loan. Final CD states not assumable.     (2018/XX/30): XXX accepts   Letter of Explanation & Corrected Closing Disclosure
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Compliance Federal Compliance Compliance Cleared 10/29/2018 1 8686168 TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 08/XX/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/08/XX/2018) Disclosures provided 08/XX/2018, e-sign consent disclosure signed 09/XX/2018.       (2018/XX/29): 10/XX/2018 - No documents were electronically signed. No Defined Cure
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Compliance Federal Compliance Compliance Cleared 10/29/2018 1 8691761 TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/10/XX/2018) Final CD TIL of 190.21100 does not match the calculated TIP of 186.63500.       (2018/XX/29): 10/XX/2018 - Corrected Index value used on ARM tab based on Index value reflected on date entry proof sheet. Letter of Explanation & Corrected Closing Disclosure
275065820 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2018 WA $XXX Securitization Complete 2018-10-25 10:35:42.000000 Loan Package Documentation Application / Processing Compliance Cleared 10/29/2018 1 8696560 Missing Document: Missing Lender's Initial 1003   The file contains evidence of an application date of 8/XX/18.  The earliest application in file is dated 9/XX/18.       (2018/XX/29): 10/XX/2018 - Initial 1003 dated 08/XX/20108 and signed by the borrower and loan originator on 09/XX/2018 is in the file,  Document dated 08/XX/2018. Provide missing documentation
275065819 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2018 AZ $XXX Securitization Complete 2018-11-19 10:32:38.000000 Title General Credit Cleared 11/20/2018 1 9108664 Final Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file. The policy amount shown on the commitment is $XXX.  The loan amount was increased to $XXX.  Updated title work showing increased coverage is not in the file.       (2018/XX/20): 11/XX/2018 - Rec'd updated Title Commitment in trailing docs.  
275065819 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2018 AZ $XXX Securitization Complete 2018-11-19 10:32:38.000000 Compliance Federal Compliance Compliance Waived 11/19/2018 2 9109940 TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/11/XX/2018) Per the Note, the loan is assumable.  CD incorrectly indicates the loan is not assumable.     (2018/XX/19): XXX accepts   Letter of Explanation & Corrected Closing Disclosure
275065819 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2018 AZ $XXX Securitization Complete 2018-11-19 10:32:38.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 01/10/2019 1 9119191 Missing secondary valuation product required for securitization.           (2019/XX/10): Received CDA Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Loan Package Documentation Application / Processing Credit Open   1 9847116 Missing Document: Missing Final 1003             Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 9847199 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Miscellaneous Compliance Compliance Open   2 9847206 (Doc Error) Initial GFE not provided              
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Federal Compliance Compliance Open   2 9847399 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Federal Compliance Compliance Open   3 9847400 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Federal Compliance Compliance Open   2 9847401 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 09/XX/2006.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Federal Compliance Compliance Open   2 9886850 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Federal Compliance Compliance Open   2 9886851 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065726 XXX XXX XXX XXX Refinance Rate/Term UTD 3/XX/2007 TX $XXX Loan Review Complete 2019-01-04 07:23:30.000000 Compliance Miscellaneous Compliance Compliance Open   2 9886858 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cleared 10/30/2018 1 10186512 Fannie Mae 2014 - 3% Points and Fees Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.13376% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or .13376%).         (2019/XX/18): Client requests loans not be tested for FNMA Points and Fees.  
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Waived 10/29/2018 2 10186513 General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).       (2019/XX/18): XXX accepts this condition.    
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cured 10/24/2018 2 10186514 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 09/XX/2018 not accurate. (Final/09/XX/2018)         (2019/XX/18): Rec'd LOE, corrected CD and evidence of emailing. Letter of Explanation & Corrected Closing Disclosure
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cleared 10/24/2018 1 10186515 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) Lender provided a cure to the borrower in the amount of 100.00       (2019/XX/18): Received CD dated 09/XX/18 with Change of Circumstance document Letter of Explanation & Corrected Closing Disclosure
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cleared 10/24/2018 1 10186516 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Lender did not provide a cure to the borrower       (2019/XX/18): Received CD dated 09/XX/18 with Change of Circumstance document Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cleared 10/24/2018 1 10186517 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7506) Lender provided a cure to the borrower in the amount of 100.00       (2019/XX/18): Received CD dated 09/XX/18 with Change of Circumstance document Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065822 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2018 WA $XXX Securitization Complete 2019-01-18 10:00:33.000000 Compliance Federal Compliance Compliance Cured 10/24/2018 1 10186519 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Received CD dated 09/XX/18 with Change of Circumstance document         Final CD evidences Cure
275065714 XXX XXX XXX XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10289693 (Doc Error) Initial GFE not provided              
275065715 XXX XXX XXX XXX Purchase Primary 2/XX/1998 TX $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10289727 Missing Document: Missing Final 1003             Provide missing documentation
275065715 XXX XXX XXX XXX Purchase Primary 2/XX/1998 TX $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Credit Open   3 10289728 Privacy Notice is missing Disclosure: Privacy Notice           Provide missing documentation
275065715 XXX XXX XXX XXX Purchase Primary 2/XX/1998 TX $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10289729 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an Escrow Service Fee of $XXX and a Courier Fee of $XXX as  prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065716 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 MA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10289910 Missing Document: Missing Final 1003             Provide missing documentation
275065716 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 MA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10289911 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2005.           Provide missing documentation
275065716 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 MA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10289912 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10290026 Missing Document: Missing Final 1003             Provide missing documentation
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 10290027 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10290028 Missing Document: Appraisal not provided             Provide missing documentation
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10290029 (Doc Error) Initial GFE not provided              
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290030 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance State Compliance Compliance Open   2 10290031 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 SC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290032 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10290282 Missing Document: Missing Final 1003             Provide missing documentation
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10290283 (Doc Error) Initial GFE not provided              
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10290284 Missing Document: Appraisal not provided             Provide missing documentation
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 10290285 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290286 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   3 10290287 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290288 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 11/XX/2003.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290289 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290290 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065712 XXX XXX XXX XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290291 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065719 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10290944 Missing Document: Missing Final 1003             Provide missing documentation
275065719 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290945 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065719 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290946 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2003.           Provide missing documentation
275065719 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290947 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065719 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290948 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065720 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10290951 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2000.           Provide missing documentation
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10291157 Missing Document: Missing Final 1003             Provide missing documentation
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10291158 Initial TIL not provided              
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291159 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291160 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Closing / Title Credit Open   2 10291161 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065721 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10291162 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 11/XX/2007           Provide missing documentation
275065718 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291306 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2004.           Provide missing documentation
275065718 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10291307 Missing Document: Missing Final 1003             Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10291753 Missing Document: Missing Final 1003             Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Credit Credit Documentation Credit Open   3 10291754 Missing Document: Credit Report not provided             Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10291755 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2008           Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Closing / Title Credit Open   2 10291756 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291757 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291758 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10291759 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2008, prior to three (3) business days from transaction date of 10/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 05/10/2018 1 10291760 (Fed High Cost) Federal High-Cost Mortgage Loan (Stated APR) Truth in Lending Act (High-Cost Mortgage): Final TIL APR Threshold is exceeded by 0.02000 %. Final TIL APR of 11.46000% exceeds a threshold of 11.44000% based on the US Treasury for comparable maturities of 3.44000% plus jurisdiction allowable margin of 8.00000%.  Non-Compliant High Cost Loan.         (2019/XX/24): Updated initial application date with LOS screen shot which cleared HC exceptions  
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 05/10/2018 1 10291761 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 6 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2008.         (2019/XX/24): Updated application date with LOS screen shot; Cleared HC exception. Provide missing documentation
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 05/10/2018 1 10291762 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019/XX/24): Updated application date with LOS screen shot; Cleared HC exception.  
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance State Compliance Compliance Cleared 05/10/2018 1 10291763 (State High Cost) California Covered Loan (Stated APR) California Anti-Predatory Lending Statute: Final TIL APR Threshold is exceeded by 0.02000 %. Final TIL APR of 11.46000% exceeds a threshold of 11.44000% based on the US Treasury for comparable maturities of 3.44000% plus jurisdiction allowable margin of 8.00000%. Non-Compliant High Cost Loan.         (2019/XX/24): Updated application date with LOS screen shot; Cleared HC exception. Provide the following: Letter of Explanation, corrected TIL/PCCD reflecting the accurate APR and proof of delivery.
275065724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2008 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Compliance Open   1 10291764 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Credit Credit Documentation Credit Open   3 10292521 Missing Document: Credit Report not provided             Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10292522 Missing Document: Missing Final 1003             Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/22/2018 1 10292523 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.         (2019/XX/24): Cleared with HUD received Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/22/2018 1 10292524 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2019/XX/24): Cleared with HUD received Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/22/2018 1 10292525 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 12/XX/2006.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019/XX/24): Cleared with HUD received Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/22/2018 1 10292526 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019/XX/24): Cleared with HUD received Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292527 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10292528 (Doc Error) Initial GFE not provided              
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal General Appraisal Requirements Compliance Cleared 04/22/2018 1 10292529 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2019/XX/24): Cleared with appraisal received  
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Cleared 04/22/2018 1 10292530 Missing Document: Appraisal not provided           (2019/XX/24): Cleared with appraisal received Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292531 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065722 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292532 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10292818 Missing Document: Missing Final 1003             Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 10292819 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10292820 Missing Document: Appraisal not provided             Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10292821 (Doc Error) Initial GFE not provided              
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 10292822 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 10292823 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 10292824 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.         (2019/XX/24): Cleared- HUD received Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 10292825 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2019/XX/24): Cleared- HUD received Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 10292826 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 08/XX/2005.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019/XX/24): Cleared- HUD received Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292827 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292828 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 10292829 TILA - Final TIL Missing Missing Final TIL.         (2019/XX/24): Cleared- TIL received Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Credit Credit Documentation Credit Open   3 10292830 Missing Document: Credit Report not provided             Provide missing documentation
275065723 XXX XXX XXX XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 10292831 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065725 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 10293799 Missing Document: Missing Final 1003             Provide missing documentation
275065725 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 10293800 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2007           Provide missing documentation
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 10423555 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Miscellaneous Compliance Compliance Open   2 10423561 (Doc Error) Initial GFE not provided              
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance State Compliance Compliance Open   2 10423616 Alabama Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period of   5 days is less than minimum per state (AL ) of 10 days.          
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance State Compliance Compliance Open   2 10423617 Alabama Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 10 % late charge exceeds 5% maximum per state (AL)          
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10423618 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065601 XXX XXX XXX XXX Purchase Primary 7/XX/2003 AL $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Loan Package Documentation Application / Processing Credit Open   1 10448251 Missing Document: Flood Certificate not provided             Provide missing documentation
275065727 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 IL $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Loan Package Documentation Application / Processing Credit Open   1 10454746 Missing Document: Missing Final 1003             Provide missing documentation
275065727 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 IL $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10496864 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065727 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 IL $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10496865 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065728 XXX XXX XXX XXX Purchase Primary 9/XX/1998 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 10461891 (Doc Error) Initial GFE not provided              
275065728 XXX XXX XXX XXX Purchase Primary 9/XX/1998 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 10461975 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/1998.           Provide missing documentation
275065728 XXX XXX XXX XXX Purchase Primary 9/XX/1998 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 10461976 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065728 XXX XXX XXX XXX Purchase Primary 9/XX/1998 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 10461977 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065728 XXX XXX XXX XXX Purchase Primary 9/XX/1998 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 10461978 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065729 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Loan Package Documentation Application / Processing Credit Open   1 10494018 Missing Document: Flood Certificate not provided             Provide missing documentation
275065730 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10491287 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065730 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10491288 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065730 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10491289 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065730 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10491290 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065730 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 10491291 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Loan Package Documentation Application / Processing Credit Open   1 10502312 Missing Document: Missing Final 1003             Provide missing documentation
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10502399 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10502400 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10502401 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2001, prior to three (3) business days from transaction date of 10/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 10502402 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065732 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2001 TN $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Loan Package Documentation Application / Processing Credit Open   1 10541330 Missing Document: Flood Certificate not provided             Provide missing documentation
275065733 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Investment 5/XX/2005 CA $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11301725 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2004.           Provide missing documentation
275065735 XXX XXX XXX XXX Purchase Primary 9/XX/2007 GA $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Insurance Insurance Documentation Credit Open   1 11302246 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065735 XXX XXX XXX XXX Purchase Primary 9/XX/2007 GA $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Loan Package Documentation Application / Processing Credit Open   1 11302247 Missing Document: Missing Final 1003             Provide missing documentation
275065735 XXX XXX XXX XXX Purchase Primary 9/XX/2007 GA $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11302248 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2007.           Provide missing documentation
275065734 XXX XXX XXX XXX Purchase Primary 3/XX/2007 IL $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11303634 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065734 XXX XXX XXX XXX Purchase Primary 3/XX/2007 IL $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11303635 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065736 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2000 CO $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11303939 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275065736 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2000 CO $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11303940 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/1999.           Provide missing documentation
275065736 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2000 CO $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11303941 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2000, prior to three (3) business days from transaction date of 03/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065736 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2000 CO $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 11303942 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065736 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2000 CO $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Property - Appraisal Appraisal Documentation Credit Open   3 11303943 Missing Document: Appraisal not provided             Provide missing documentation
275065737 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WI $XXX Loan Review Complete 2019-03-27 09:23:56.000000 Compliance Federal Compliance Compliance Open   2 11304554 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Loan Package Documentation Application / Processing Credit Open   1 12223720 Missing Document: Missing Final 1003             Provide missing documentation
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12223902 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2004.           Provide missing documentation
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12223903 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12223905 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12223906 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065745 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 12223955 (Doc Error) RTC Error:  Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Loan Package Documentation Application / Processing Credit Open   1 12229777 Missing Document: Missing Final 1003             Provide missing documentation
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12229969 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2002.           Provide missing documentation
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12229970 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12229971 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12229973 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12229974 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065747 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2002 MI $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 12230008 (Doc Error) Initial GFE not provided              
275065751 XXX XXX XXX XXX Purchase Primary 3/XX/2004 TX $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12249786 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2003.           Provide missing documentation
275065751 XXX XXX XXX XXX Purchase Primary 3/XX/2004 TX $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12249787 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065751 XXX XXX XXX XXX Purchase Primary 3/XX/2004 TX $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12249789 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065751 XXX XXX XXX XXX Purchase Primary 3/XX/2004 TX $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 12249797 (Doc Error) Initial GFE not provided              
275065752 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 MD $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12253445 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2005.           Provide missing documentation
275065752 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 MD $XXX Loan Review Complete 2019-06-14 12:28:17.000000 Compliance Federal Compliance Compliance Open   2 12253448 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065753 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TN $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12260614 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275065753 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TN $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12260615 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065753 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TN $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12260616 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065756 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   1 12266376 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065756 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12266379 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2007.           Provide missing documentation
275065756 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12266382 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275065756 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12266383 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065756 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12266384 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065746 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2005 CA $XXX Loan Review Complete 2019-06-15 14:48:43.000000 Compliance Federal Compliance Compliance Open   2 12227427 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065746 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2005 CA $XXX Loan Review Complete 2019-06-15 14:48:43.000000 Compliance Federal Compliance Compliance Open   3 12227428 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065746 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2005 CA $XXX Loan Review Complete 2019-06-15 14:48:43.000000 Compliance Federal Compliance Compliance Open   2 12227429 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2005.           Provide missing documentation
275065746 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2005 CA $XXX Loan Review Complete 2019-06-15 14:48:43.000000 Compliance Federal Compliance Compliance Open   2 12227430 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065746 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2005 CA $XXX Loan Review Complete 2019-06-15 14:48:43.000000 Compliance Federal Compliance Compliance Open   2 12227432 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065748 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Loan Package Documentation Application / Processing Credit Open   1 12235256 Missing Document: Missing Final 1003             Provide missing documentation
275065748 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12235434 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2006.           Provide missing documentation
275065748 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 12235449 (Doc Error) Initial GFE not provided              
275065749 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   1 12235962 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065749 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12235967 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2006.           Provide missing documentation
275065749 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12236120 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065749 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12268276 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065750 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Loan Package Documentation Application / Processing Credit Open   1 12248348 Missing Document: Missing Final 1003             Provide missing documentation
275065750 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12248421 Final Title Policy is missing. No evidence of title in file.   Missing both Preliminary and Final Title.         Provide missing documentation
275065750 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 12248422 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065750 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Federal Compliance Compliance Open   2 12248425 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275065750 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Loan Review Complete 2019-06-14 12:43:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 12248426 (Doc Error) Initial GFE not provided              
275065754 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2019-06-14 14:29:31.000000 Compliance State Compliance Compliance Open   2 12264032 California Prepayment Penalty California Prepayment Penalty:  Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.            
275065754 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2019-06-14 14:29:31.000000 Compliance Federal Compliance Compliance Open   2 12264033 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065754 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2019-06-14 14:29:31.000000 Compliance Federal Compliance Compliance Open   2 12264034 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065755 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Insurance Insurance Documentation Credit Open   1 12285137 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065755 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12285167 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065757 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 15:03:01.000000 Compliance Federal Compliance Compliance Open   2 12282768 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065757 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 15:03:01.000000 Compliance Federal Compliance Compliance Open   2 12282769 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065757 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 15:03:01.000000 Compliance State Compliance Compliance Open   2 12290663 California Prepayment Penalty ARM California Prepayment Penalty:  Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.            
275065757 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 15:03:01.000000 Compliance Federal Compliance Compliance Open   2 12290815 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears a lower index was used at origination. The lowest Index available within the look-back period is 5.02170%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065757 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 15:03:01.000000 Compliance Federal Compliance Compliance Open   2 12290993 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12268469 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275065759 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 IL $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance State Compliance Compliance Open   2 12276201 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%.            
275065759 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 IL $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12276202 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065759 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 IL $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12276203 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065760 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 VA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12283113 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065760 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 VA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance State Compliance Compliance Open   2 12283114 Virginia Prepayment Penalty Virginia Prepayment Penalty:  Loan on an owner-occupied property contains an impermissible prepayment penalty of greater than 2% of the prepaid balance.            
275065761 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   1 12283145 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065761 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12283146 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065761 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 MO $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12296903 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065762 XXX XXX XXX XXX Construction-Permanent Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Loan Package Documentation Closing / Title Credit Open   3 12325715 Note Error: Interest rate is blank.   Note does not provide an interest rate or payment for the permanent phase.  Used margin + index for interest rate (per section B of the Note) for compliance testing purposes.          
275065762 XXX XXX XXX XXX Construction-Permanent Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12326880 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065762 XXX XXX XXX XXX Construction-Permanent Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12326881 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275065762 XXX XXX XXX XXX Construction-Permanent Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12326882 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065762 XXX XXX XXX XXX Construction-Permanent Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-06-18 07:18:07.000000 Compliance Federal Compliance Compliance Open   2 12326883 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065742 XXX XXX XXX XXX Refinance Rate/Term Investment 7/XX/2003 CA $XXX Loan Review Complete 2019-07-02 13:25:50.000000 Credit Credit Documentation Credit Open   3 12519821 Missing Document: Credit Report not provided             Provide missing documentation
275065742 XXX XXX XXX XXX Refinance Rate/Term Investment 7/XX/2003 CA $XXX Loan Review Complete 2019-07-02 13:25:50.000000 Compliance Federal Compliance Compliance Open   2 12519822 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2003.           Provide missing documentation
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   1 12520176 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   2 12520177 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   2 12520178 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   3 12520179 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   2 12520180 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 6.87000% is underdisclosed from calculated APR of 7.13973% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065744 XXX XXX XXX XXX Purchase Primary 5/XX/2007 MD $XXX Loan Review Complete 2019-07-02 13:27:14.000000 Compliance Federal Compliance Compliance Open   2 12520181 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to final TIL not reflecting MI.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065768 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 ME $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14388660 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065769 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VT $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Loan Package Documentation Application / Processing Credit Open   1 14389764 Missing Document: Missing Final 1003             Provide missing documentation
275065769 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VT $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14390007 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065769 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VT $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14390010 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14391178 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14391180 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 4.9330% per the approval, however the lowest index value available in the look back period is 5.060%.  In addition, the TIL itemization did not disclose a lender fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance State Compliance Compliance Open   2 14406990 California Prepayment Penalty California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.            
275065770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14406991 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14406992 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Loan Package Documentation Application / Processing Credit Open   1 14391413 Missing Document: Missing Final 1003             Provide missing documentation
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 14391451 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Miscellaneous Compliance Compliance Open   2 14391452 (Doc Error) Initial GFE not provided              
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14391453 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   3 14391454 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14391455 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance State Compliance Compliance Open   2 14391456 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14391457 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065772 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14391458 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065773 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-10-15 07:38:43.000000 Compliance Federal Compliance Compliance Open   2 14395071 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065774 XXX XXX XXX XXX Construction-Permanent Primary 1/XX/2003 OR $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Insurance Insurance Documentation Credit Open   1 14396509 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065774 XXX XXX XXX XXX Construction-Permanent Primary 1/XX/2003 OR $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396688 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065774 XXX XXX XXX XXX Construction-Permanent Primary 1/XX/2003 OR $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396690 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065775 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396701 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065775 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396703 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065775 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396704 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065775 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396705 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065775 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14396706 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 4.4408% per the Closing Instructions, however the lowest index value available in the lookback period is 4.431%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Loan Package Documentation Closing / Title Credit Open   2 14397676 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14397734 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance State Compliance Compliance Open   2 14397735 New York Prepayment Penalty New York Prepayment Penalty: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment charge not allowed per state (NY) - max prepayment charge for NY ARM loan is 0% - note states 3%, 2%,1%. Lender is XXX.          
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14397736 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14397737 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065776 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14397740 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears the lender used an index lower than 3.3258%, which is the lowest rate in the look back period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Loan Package Documentation Application / Processing Credit Open   1 14397538 Missing Document: Missing Final 1003             Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Insurance Insurance Documentation Credit Open   1 14397978 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 14398157 (Doc Error) Initial GFE not provided              
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   3 14398259 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398260 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2012 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398266 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398267 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398268 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398269 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398270 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398271 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398272 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398273 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14408082 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14408083 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14408084 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065778 XXX XXX XXX XXX Purchase Primary 3/XX/2012 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14408085 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065779 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CT $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14398183 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065779 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CT $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance State Compliance Compliance Open   2 14398186 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment charge allowed per state (CT) – Max Prepayment charge for CT is None   - note states 6 months interest.  Lender is XXX.          
275065779 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CT $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14398187 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065779 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CT $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14398188 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065779 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CT $XXX Loan Review Complete 2019-10-16 15:33:16.000000 Compliance Federal Compliance Compliance Open   2 14398189 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 3.3258% per the Closing Instructions, however the lowest index value available in the lookback period is 3.4783%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Loan Package Documentation Application / Processing Credit Open   1 14398610 Missing Document: Missing Final 1003             Provide missing documentation
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 14398871 (Doc Error) Initial GFE not provided              
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 14398875 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398881 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   3 14398882 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398884 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance State Compliance Compliance Open   2 14398885 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state.            
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398886 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398887 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065781 XXX XXX XXX XXX Purchase UTD 11/XX/2006 NC $XXX Loan Review Complete 2019-10-16 10:05:10.000000 Compliance Federal Compliance Compliance Open   2 14398888 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065471 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2006 NY $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14533528 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065471 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2006 NY $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance State Compliance Compliance Open   2 14533529 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
275065705 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 NY $XXX Loan Review Complete 2019-10-20 18:13:27.000000 Compliance Federal Compliance Compliance Open   2 14500234 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065711 XXX XXX XXX XXX Purchase Primary 12/XX/2005 FL $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Compliance Federal Compliance Compliance Open   2 14504370 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065711 XXX XXX XXX XXX Purchase Primary 12/XX/2005 FL $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Compliance Federal Compliance Compliance Open   2 14504372 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065782 XXX XXX XXX XXX Purchase Primary 11/XX/1999 MI $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 14479940 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065782 XXX XXX XXX XXX Purchase Primary 11/XX/1999 MI $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Insurance Insurance Documentation Credit Open   1 14480141 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065783 XXX XXX XXX XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Loan Package Documentation Application / Processing Credit Open   1 14519554 Missing Document: Missing Final 1003             Provide missing documentation
275065783 XXX XXX XXX XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14519717 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065783 XXX XXX XXX XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14519718 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065783 XXX XXX XXX XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14519719 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065783 XXX XXX XXX XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14519720 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The Lender's TIL reflects MI dropping off after 125 months, however, the audited TIL indicates MI should drop off after 136 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065785 XXX XXX XXX XXX Purchase Primary 8/XX/2005 MD $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Insurance Insurance Documentation Credit Open   1 14514337 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065785 XXX XXX XXX XXX Purchase Primary 8/XX/2005 MD $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14514372 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065785 XXX XXX XXX XXX Purchase Primary 8/XX/2005 MD $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14514373 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065785 XXX XXX XXX XXX Purchase Primary 8/XX/2005 MD $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14572909 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065787 XXX XXX XXX XXX Purchase Primary 5/XX/2006 PA $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14520603 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065788 XXX XXX XXX XXX Purchase Primary 2/XX/2007 LA $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14521798 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065789 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Insurance Insurance Documentation Credit Open   1 14521155 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065790 XXX XXX XXX XXX Purchase Primary 4/XX/2007 IN $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14580496 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065791 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14523022 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065791 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14523024 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065791 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14526470 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Loan Package Documentation Application / Processing Credit Open   1 14521135 Missing Document: Missing Final 1003             Provide missing documentation
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14521456 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14521457 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance State Compliance Compliance Open   2 14521458 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance State Compliance Compliance Open   2 14521459 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance State Compliance Compliance Open   2 14521460 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14521461 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Federal Compliance Compliance Open   2 14521462 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 14521469 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065792 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 MI $XXX Loan Review Complete 2019-10-25 09:34:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 14521477 (Doc Error) Initial GFE not provided              
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Loan Package Documentation Application / Processing Credit Open   1 14521936 Missing Document: Missing Final 1003             Provide missing documentation
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 14522184 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Miscellaneous Compliance Compliance Open   2 14522185 (Doc Error) Initial GFE not provided              
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14522211 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   3 14522212 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14522213 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14522214 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275065793 XXX XXX XXX XXX Purchase Primary 8/XX/2007 VA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14522216 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065794 XXX XXX XXX XXX Purchase Primary 9/XX/2007 MA $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Loan Package Documentation Application / Processing Credit Open   1 14522614 Missing Document: Missing Final 1003             Provide missing documentation
275065794 XXX XXX XXX XXX Purchase Primary 9/XX/2007 MA $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14523520 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065794 XXX XXX XXX XXX Purchase Primary 9/XX/2007 MA $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14523522 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization of amount financed reflects a $XXX municipal lien cert fee not reflected as a finance charge on HUD. Also. MI payment streams do not match after rate change.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065795 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Compliance Federal Compliance Compliance Open   2 14481886 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065795 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Compliance Federal Compliance Compliance Open   2 14481887 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065795 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2019-10-24 06:08:35.000000 Compliance Federal Compliance Compliance Open   2 14481888 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065796 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Loan Package Documentation Closing / Title Compliance Open   2 14523462 (Doc Error) TIL Error: Borrower signature not dated.              
275065796 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 14523463 (Doc Error) Initial GFE not provided              
275065796 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14529178 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065797 XXX XXX XXX XXX Purchase Primary 8/XX/2008 IL $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14525080 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065797 XXX XXX XXX XXX Purchase Primary 8/XX/2008 IL $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14525081 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065797 XXX XXX XXX XXX Purchase Primary 8/XX/2008 IL $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14525082 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065797 XXX XXX XXX XXX Purchase Primary 8/XX/2008 IL $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14525084 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing the TIL itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065798 XXX XXX XXX XXX Purchase Primary 5/XX/2013 AL $XXX Loan Review Complete 2019-10-25 09:44:58.000000 Compliance Federal Compliance Compliance Open   2 14531017 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065799 XXX XXX XXX XXX Purchase Primary 12/XX/2000 AR $XXX Loan Review Complete 2019-10-20 18:13:27.000000 Compliance Federal Compliance Compliance Open   2 14482796 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065800 XXX XXX XXX XXX Purchase Primary 2/XX/2008 GA $XXX Loan Review Complete 2019-10-26 08:04:22.000000 Compliance Federal Compliance Compliance Open   2 14527833 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine fee under disclosure due to missing Itemization of amount financed.  Additionally, payment stream under disclosure due to TIL  mortgage Insurance first and last adjustment at 140 months and Actual Mortgage Insurance first adjustment at 120 months with a second adjustment at 140 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065801 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-11-08 16:32:48.000000 Compliance Federal Compliance Compliance Open   2 14879713 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065801 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-11-08 16:32:48.000000 Compliance Federal Compliance Compliance Open   2 14893936 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065801 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-11-08 16:32:48.000000 Compliance Federal Compliance Compliance Open   2 14893937 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065801 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2019-11-08 16:32:48.000000 Compliance Federal Compliance Compliance Open   2 14893938 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Loan Package Documentation Application / Processing Credit Open   1 14919192 Missing Document: Missing Final 1003             Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 14919193 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 14919194 (Doc Error) Initial GFE not provided              
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Miscellaneous Compliance Compliance Open   2 14919195 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919196 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   3 14919197 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919198 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 09/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance State Compliance Compliance Open   2 14919199 Maryland Prepayment Penalty Test Maryland Prepayment Penalty:  Loan contains an impermissible prepayment penalty of greater than 2 months interest calculated on 2/3 of the original balance.            
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919200 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919201 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919202 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Compliance Federal Compliance Compliance Open   2 14919203 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Property - Appraisal Appraisal Documentation Credit Open   3 14919204 Missing Document: Appraisal not provided             Provide missing documentation
275065763 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 MD $XXX Loan Review Complete 2019-05-16 12:03:38.000000 Credit Credit Documentation Credit Open   3 14919205 Missing Document: Credit Report not provided             Provide missing documentation
275065764 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TX $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Miscellaneous Compliance Compliance Open   2 14919919 (Doc Error) Initial GFE not provided              
275065764 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TX $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 14919921 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065764 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TX $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 14919923 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Loan Package Documentation Government Documentation Credit Open   3 15013350 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Loan Package Documentation Government Documentation Credit Open   3 15013351 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Loan Package Documentation Government Documentation Credit Open   3 15013352 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Compliance Federal Compliance Compliance Open   2 15013353 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Compliance Federal Compliance Compliance Open   2 15013354 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065802 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 VT $XXX Loan Review Complete 2019-05-05 00:38:48.000000 Property - Appraisal Appraisal Documentation Credit Open   3 15013355 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065803 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NJ $XXX Loan Review Complete 2019-05-29 13:50:02.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 15013366 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 01/XX/2004 2 Family            
275065803 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NJ $XXX Loan Review Complete 2019-05-29 13:50:02.000000 Compliance Federal Compliance Compliance Open   2 15013367 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Loan Package Documentation Application / Processing Credit Open   1 15013886 Missing Document: Missing Final 1003             Provide missing documentation
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013888 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013889 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013890 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013891 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013892 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Compliance Federal Compliance Compliance Open   2 15013893 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-08-01 15:56:16.000000 Loan Package Documentation Closing / Title Credit Open   1 15013894 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275065807 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 NC $XXX Loan Review Complete 2019-08-01 15:58:33.000000 Compliance Federal Compliance Compliance Open   1 15014112 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. Credit report dated 02/XX/2006 and FACTA disclosure dated 02/XX/2006          
275065807 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 NC $XXX Loan Review Complete 2019-08-01 15:58:33.000000 Compliance Federal Compliance Compliance Open   3 15014113 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065807 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 NC $XXX Loan Review Complete 2019-08-01 15:58:33.000000 Compliance Federal Compliance Compliance Open   2 15014114 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065808 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2011 PA $XXX Loan Review Complete 2019-08-01 15:59:16.000000 Loan Package Documentation Government Documentation Credit Open   3 15014216 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065808 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2011 PA $XXX Loan Review Complete 2019-08-01 15:59:16.000000 Compliance Federal Compliance Compliance Open   2 15014217 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065808 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2011 PA $XXX Loan Review Complete 2019-08-01 15:59:16.000000 Compliance Federal Compliance Compliance Open   2 15014218 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275065808 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2011 PA $XXX Loan Review Complete 2019-08-01 15:59:16.000000 Compliance Federal Compliance Compliance Open   2 15014219 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065808 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2011 PA $XXX Loan Review Complete 2019-08-01 15:59:16.000000 Compliance Federal Compliance Compliance Open   2 15014220 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization included  a lender credit of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065804 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 ID $XXX Loan Review Complete 2019-08-05 09:02:38.000000 Compliance Federal Compliance Compliance Open   2 15014309 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065804 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 ID $XXX Loan Review Complete 2019-08-05 09:02:38.000000 Compliance Federal Compliance Compliance Open   2 15014310 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065804 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 ID $XXX Loan Review Complete 2019-08-05 09:02:38.000000 Compliance Federal Compliance Compliance Open   2 15014311 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065804 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 ID $XXX Loan Review Complete 2019-08-05 09:02:38.000000 Compliance Federal Compliance Compliance Open   2 15014312 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065804 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 ID $XXX Loan Review Complete 2019-08-05 09:02:38.000000 Compliance State Compliance Compliance Open   2 15014313 Idaho Prepayment Penalty Idado Prepayment Penalty:  Loan contains a prepayment penalty which was not disclosed separately in writing to borrower within three (3) days of application.            
275065823 XXX XXX XXX XXX Purchase Primary 11/XX/2019 NJ $XXX Loan Review Complete 2019-11-22 16:47:08.000000 Credit Credit Documentation Credit Cleared 11/25/2019 1 15172979 Missing Document: Credit Report Comparison not provided           (2019/XX/25): Received in trailing documents. Provide missing documentation
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Loan Package Documentation Application / Processing Credit Open   1 15329641 Missing Document: Missing Final 1003             Provide missing documentation
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Loan Package Documentation Closing / Title Credit Open   2 15329643 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Compliance Miscellaneous Compliance Compliance Open   2 15329646 (Doc Error) Initial GFE not provided              
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Compliance Federal Compliance Compliance Cleared 12/20/2018 1 15329647 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2018/XX/20): 12.20.2018:  Received trailing documentation clearing the exception. Provide missing documentation
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Compliance Federal Compliance Compliance Cleared 12/20/2018 1 15329648 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 08/XX/2001.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2018/XX/20): 12.20.2018:  Received trailing documentation clearing the exception. Provide missing documentation
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Compliance Federal Compliance Compliance Cleared 12/20/2018 1 15329649 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.         (2018/XX/20): 12.20.2018:  Received trailing documentation clearing the exception.  
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-11-25 08:13:11.000000 Compliance Federal Compliance Compliance Open   2 15329650 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065777 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2002 PA $XXX Loan Review Complete 2018-12-20 10:32:20.000000 Compliance Federal Compliance Compliance Open   2 15329651 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2001.           Provide missing documentation
275065731 XXX XXX XXX XXX Purchase Primary 5/XX/2005 MA $XXX Loan Review Complete 2019-08-14 03:51:47.000000 Compliance Federal Compliance Compliance Open   2 15329718 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065771 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 2019-08-14 04:04:30.000000 Compliance Federal Compliance Compliance Open   1 15329773 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065771 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 2019-08-14 04:04:30.000000 Compliance Federal Compliance Compliance Open   2 15329774 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065771 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 2019-08-14 04:04:30.000000 Insurance Insurance Documentation Credit Open   1 15329775 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065831 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 2018-04-06 19:14:28.000000 Loan Package Documentation Application / Processing Credit Open   1 15384932 Missing Document: Missing Final 1003             Provide missing documentation
275065831 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 2018-04-06 19:14:28.000000 Compliance Federal Compliance Compliance Open   2 15384935 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065831 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 2018-04-06 19:14:28.000000 Loan Package Documentation Closing / Title Compliance Open   2 15384937 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065738 XXX XXX XXX XXX Purchase Primary 5/XX/2004 WI $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   2 15385490 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2004.           Provide missing documentation
275065738 XXX XXX XXX XXX Purchase Primary 5/XX/2004 WI $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Loan Package Documentation Application / Processing Credit Open   1 15385491 Missing Document: Missing Final 1003             Provide missing documentation
275065738 XXX XXX XXX XXX Purchase Primary 5/XX/2004 WI $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Insurance Insurance Documentation Credit Open   1 15385492 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NC $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Credit Credit Documentation Credit Open   3 15385493 Missing Document: Credit Report not provided             Provide missing documentation
275065739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NC $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   2 15385494 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275065832 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 LA $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 15385495 (Doc Error) Initial GFE not provided              
275065832 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 LA $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   3 15385497 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065832 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 LA $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   2 15385499 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2003.           Provide missing documentation
275065832 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 LA $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   2 15385501 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065832 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 LA $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Compliance Federal Compliance Compliance Open   2 15385502 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065740 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Loan Package Documentation Application / Processing Credit Open   1 15385725 Missing Document: Missing Final 1003             Provide missing documentation
275065740 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Compliance Federal Compliance Compliance Open   2 15385726 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065740 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Compliance Federal Compliance Compliance Open   2 15385728 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065740 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Compliance Federal Compliance Compliance Open   2 15385729 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065830 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 2019-04-06 08:57:05.000000 Compliance Federal Compliance Compliance Open   2 15385849 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2002.           Provide missing documentation
275065830 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 2019-04-06 08:57:05.000000 Compliance Federal Compliance Compliance Open   2 15385850 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065830 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 2019-04-06 08:57:05.000000 Compliance Federal Compliance Compliance Open   2 15385851 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065830 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 2019-04-06 08:57:05.000000 Compliance Federal Compliance Compliance Open   2 15385852 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Loan Package Documentation Application / Processing Credit Open   1 15386035 Missing Document: Missing Final 1003             Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 15386037 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Property - Appraisal Appraisal Documentation Credit Open   3 15386040 Missing Document: Appraisal not provided             Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Miscellaneous Compliance Compliance Open   2 15386043 (Doc Error) Initial GFE not provided              
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386044 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   3 15386045 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386046 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2011.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386047 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386048 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386049 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386050 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386051 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance State Compliance Compliance Open   2 15386052 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386053 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Compliance Federal Compliance Compliance Open   2 15386054 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065837 XXX XXX XXX XXX Purchase Primary 2/XX/2012 WA $XXX Loan Review Complete 2019-07-15 07:46:55.000000 Credit Credit Documentation Credit Open   3 15386055 Missing Document: Credit Report not provided             Provide missing documentation
275065835 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2008 IL $XXX Loan Review Complete 2019-06-13 13:29:31.000000 Compliance Federal Compliance Compliance Open   2 15386422 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2008.           Provide missing documentation
275065835 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2008 IL $XXX Loan Review Complete 2019-06-13 13:29:31.000000 Compliance Federal Compliance Compliance Open   2 15386423 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065838 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 2019-08-19 17:10:29.000000 Loan Package Documentation Application / Processing Credit Open   1 15387297 Missing Document: Missing Final 1003             Provide missing documentation
275065838 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 2019-08-19 17:10:29.000000 Compliance Federal Compliance Compliance Open   2 15387298 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065838 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 2019-08-19 17:10:29.000000 Compliance Federal Compliance Compliance Open   2 15387299 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065838 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 2019-08-19 17:10:29.000000 Compliance Federal Compliance Compliance Open   2 15387300 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065838 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 2019-08-19 17:10:29.000000 Compliance Federal Compliance Compliance Open   2 15387301 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065833 XXX XXX XXX XXX Purchase Primary 4/XX/2006 OH $XXX Loan Review Complete 2019-06-13 13:29:31.000000 Compliance Federal Compliance Compliance Open   2 15387620 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2005.           Provide missing documentation
275065833 XXX XXX XXX XXX Purchase Primary 4/XX/2006 OH $XXX Loan Review Complete 2019-06-13 13:29:31.000000 Compliance State Compliance Compliance Open   2 15387621 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. PPP Expired. Prepayment charge not allowed per state (OH) - max prepayment charge for OH loan is 1% - note states 5%. Lender is XXX          
275065741 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-12-17 06:41:51.000000 Compliance Federal Compliance Compliance Open   2 15436532 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065741 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-12-17 06:41:51.000000 Compliance Federal Compliance Compliance Open   2 15452725 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065385 XXX XXX XXX XXX Purchase Primary 2/XX/2010 OH $XXX Loan Review Complete 2020-01-18 08:40:16.000000 Compliance Federal Compliance Compliance Open   2 15857642 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065828 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2020 RI $XXX Loan Review Complete 2020-01-29 12:26:42.000000 Appraisal Reconciliation Value Discrepancy Property Cleared 03/27/2020 1 16054667 Loan is to go in a securitization and reflects only one valuation product when two are required.           (2020/XX/27): received CDA  
275065827 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2020-01-29 19:07:41.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Waived 01/30/2020 2 16258664 Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. Subject loan closed with an LTV of 90.00%, which exceeds the Bank Statement guideline maximum LTV of 90.00% for a primary purchase with a loan amount of $XXX and qualifying FICO of 693. File is missing a lender approved exception with verified compensating factors to allow the higher LTV. Borrower has a disposable income of $XXX

Housing payment history clean for 14 months

FICO score above minimum by 20 points or greater. FICO: 693 > 660		     (2020/XX/30): Rec'd exception for LTV > guideline maximum.  
275065827 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2020-01-29 19:07:41.000000 Insurance Insurance Analysis Credit Cleared 01/31/2020 1 16258667 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance amount of $XXX (including extended coverage of $XXX) is not enough to cover the loan amount of $XXX or the appraisal replacement cost of $XXX. File contains an insurance company replacement cost estimator that verifies an estimated replacement cost of $XXX.     (2020/XX/30): eoi replacement cost estimator and state farm letter showing property is insured to at least replacement cost amount. (2020/XX/31): Rec'd letter from insurer that if the policy contains Option ID, coverage is at least equal to 100% of the replacement cost of the home (RCE in file for  $XXX).  Confirmed the policy has Option ID, coverage is sufficient.  
275065827 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2020-01-29 19:07:41.000000 Compliance Federal Compliance Compliance Cured 02/04/2020 2 16258673 TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 12/XX/2019 not accurate. (Final/12/XX/2019) Final Closing Disclosure disclosed Estimated Property Costs over Year 1 of $XXX. Estimated Property Costs are $XXX per month, which equates to calculated Escrowed Property Costs over Year 1 of $XXX. Letter of Explanation to the borrower and Corrected Closing Disclosure are required to cure this exception.     (2020/XX/31): pccd, delivery, and propery cost documentation (2020/XX/04): AMC received a corrected CD and LOE. Exception Cured. Letter of Explanation & Corrected Closing Disclosure
275065827 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2020-01-29 19:07:41.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Waived 01/31/2020 2 16258675 Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 11.99 is less than Guideline PITIA months reserves of 12.00. Based on the subject loan amount, 12 months of reserves are required. Verified assets after closing of $XXX are insufficient to cover the dollar amount of reserves of $XXX. Borrower has a disposable income of $XXX

Housing payment history clean for 14 months

FICO score above minimum by 20 points or greater. FICO: 693 > 660		     (2020/XX/31): Rec’d exception for reserves < guideline minimum.  
275065844 XXX XXX XXX XXX Refinance Cash-out - Other Investment 4/XX/2006 MD $XXX Loan Review Complete 2020-11-09 17:37:23.000000 Insurance Insurance Documentation Credit Open   1 18992378 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065844 XXX XXX XXX XXX Refinance Cash-out - Other Investment 4/XX/2006 MD $XXX Loan Review Complete 2020-11-09 17:37:23.000000 Compliance Federal Compliance Compliance Open   2 18992379 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065843 XXX XXX XXX XXX Purchase Primary 4/XX/2005 WI $XXX Loan Review Complete 2020-11-10 11:53:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 18992519 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065843 XXX XXX XXX XXX Purchase Primary 4/XX/2005 WI $XXX Loan Review Complete 2020-11-10 11:53:58.000000 Compliance Federal Compliance Compliance Open   1 18992520 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065843 XXX XXX XXX XXX Purchase Primary 4/XX/2005 WI $XXX Loan Review Complete 2020-11-10 11:53:58.000000 Compliance Federal Compliance Compliance Open   2 18992521 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065843 XXX XXX XXX XXX Purchase Primary 4/XX/2005 WI $XXX Loan Review Complete 2020-11-10 11:53:58.000000 Compliance Federal Compliance Compliance Open   2 18992522 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275065843 XXX XXX XXX XXX Purchase Primary 4/XX/2005 WI $XXX Loan Review Complete 2020-11-10 11:53:58.000000 Compliance Federal Compliance Compliance Open   2 18992524 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Closing Instructions indicate the Index used was 2.958%. The closest Index available in our look-back period is 3.41250%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065842 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 MD $XXX Loan Review Complete 2020-11-13 08:51:17.000000 Insurance Insurance Documentation Credit Open   1 18992549 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065842 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 MD $XXX Loan Review Complete 2020-11-13 08:51:17.000000 Compliance Federal Compliance Compliance Open   2 18992550 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065845 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NJ $XXX Loan Review Complete 2020-03-12 08:05:18.000000 Loan Package Documentation Application / Processing Credit Open   1 18992989 Missing Document: Missing Final 1003             Provide missing documentation
275065845 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NJ $XXX Loan Review Complete 2020-03-12 08:05:18.000000 Compliance Federal Compliance Compliance Open   2 18992991 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065845 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NJ $XXX Loan Review Complete 2020-03-12 08:05:18.000000 Compliance Federal Compliance Compliance Open   2 18992993 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065845 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NJ $XXX Loan Review Complete 2020-03-12 08:05:18.000000 Compliance Federal Compliance Compliance Open   2 18992996 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065846 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2020-03-26 08:01:16.000000 Compliance Federal Compliance Compliance Open   2 18993188 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065846 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2020-03-26 08:01:16.000000 Compliance Federal Compliance Compliance Open   2 18993192 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065847 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 AL $XXX Loan Review Complete 2020-03-20 10:18:48.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 18993159 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
275065847 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 AL $XXX Loan Review Complete 2020-03-20 10:18:48.000000 Compliance Federal Compliance Compliance Open   2 18993161 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   1 19104012 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104013 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104014 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104015 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Miscellaneous Compliance Compliance Open   2 19104016 (Doc Error) Initial GFE not provided              
275065850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104024 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104025 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104026 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065852 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104042 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065852 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104043 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275065853 XXX XXX XXX XXX Purchase Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 09:56:09.000000 Insurance Insurance Documentation Credit Cleared 11/05/2020 1 19104084 Missing Document: Mortgage Insurance Certificate (MIC) not provided           (2020/XX/05): MI Cert provided.  Exception cleared. Provide missing documentation
275065853 XXX XXX XXX XXX Purchase Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 09:56:09.000000 Compliance Federal Compliance Compliance Open   2 19104085 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065853 XXX XXX XXX XXX Purchase Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 09:56:09.000000 Compliance Federal Compliance Compliance Open   3 19104086 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.     (2020/XX/11): Document uploaded to secure site. Refer to file name.   (2020/XX/11): Title Company Closing Statement provided.  Missing Final HUD. Exception remains. Provide missing documentation
275065853 XXX XXX XXX XXX Purchase Primary 11/XX/2007 CA $XXX Reviewed with Exceptions 2020-10-22 09:56:09.000000 Compliance Federal Compliance Compliance Open   2 19104087 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Miscellaneous Compliance Compliance Open   2 19104233 (Doc Error) Initial GFE not provided              
275065849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104234 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104235 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104236 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Loan Package Documentation Application / Processing Credit Open   1 19104478 Missing Document: Missing Final 1003             Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104479 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104480 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104481 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104482 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104483 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Federal Compliance Compliance Open   2 19104484 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 19104485 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Loan Package Documentation Closing / Title Credit Open   2 19104486 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Reviewed with Exceptions 2020-10-22 08:09:26.000000 Compliance Miscellaneous Compliance Compliance Open   2 19104487 (Doc Error) Initial GFE not provided              
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Loan Package Documentation Application / Processing Credit Open   1 19262220 Missing Document: Missing Final 1003             Provide missing documentation
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 19262221 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Miscellaneous Compliance Compliance Open   2 19262222 (Doc Error) Initial GFE not provided              
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Miscellaneous Compliance Compliance Open   2 19262223 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Federal Compliance Compliance Open   2 19262224 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Federal Compliance Compliance Open   3 19262225 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Federal Compliance Compliance Open   2 19262226 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Federal Compliance Compliance Open   2 19262227 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065855 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 FL $XXX Loan Review Complete 2020-09-01 15:16:05.000000 Compliance Federal Compliance Compliance Open   2 19262228 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065856 XXX XXX XXX XXX Purchase Primary 10/XX/2000 TX $XXX Loan Review Complete 2020-09-15 11:56:32.000000 Compliance Federal Compliance Compliance Open   2 19262260 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065858 XXX XXX XXX XXX Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 2018-10-17 17:10:44.000000 Loan Package Documentation Government Documentation Credit Open   3 19262517 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065858 XXX XXX XXX XXX Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 2018-10-17 17:10:44.000000 Compliance Federal Compliance Compliance Open   2 19262518 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance Federal Compliance Compliance Cleared 02/28/2019 1 19262572 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.         (2019/XX/28): Received Final HUD, exception cleared. Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance Federal Compliance Compliance Cleared 02/28/2019 1 19262573 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 05/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019/XX/28): Received Final HUD, exception cleared. Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance Federal Compliance Compliance Open   2 19262574 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance Federal Compliance Compliance Cleared 02/28/2019 1 19262575 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2019/XX/28): Received Final HUD, exception cleared. Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance State Compliance Compliance Open   2 19262576 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Compliance Miscellaneous Compliance Compliance Cleared 02/28/2019 1 19262577 (Doc Error) Initial GFE not provided           (2019/XX/28): Received GFE, exception cleared.  
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Loan Package Documentation Application / Processing Credit Open   1 19262578 Missing Document: Missing Final 1003             Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 19262579 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Credit Credit Documentation Credit Open   3 19262580 Missing Document: Credit Report not provided             Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-27 16:51:44.000000 Property - Appraisal Appraisal Documentation Credit Open   3 19262581 Missing Document: Appraisal not provided             Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-28 09:58:31.000000 Compliance Federal Compliance Compliance Open   2 19262582 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2007.           Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-28 09:58:31.000000 Compliance Federal Compliance Compliance Open   2 19262583 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065857 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 SC $XXX Loan Review Complete 2019-02-28 09:58:31.000000 Compliance Federal Compliance Compliance Open   2 19262584 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065854 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 OH $XXX Loan Review Complete 2019-07-08 12:46:37.000000 Compliance Federal Compliance Compliance Open   2 19262636 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155872 FHA Loan Transmittal (92900-LT) is missing. Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents)           Provide missing documentation
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155873 FHA - Amendatory Clause and Real Estate Certification is not compliant. Disclosure: FHA - Amendatory Clause and Real Estate Certification (Government Documents) Missing          
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Compliance State Compliance Compliance Open   2 23155874 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Compliance Federal Compliance Compliance Open   2 23155875 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155876 FHA - Important Notice to Homebuyer (92900-B) is not compliant. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) Missing borrowers signature and date.          
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155877 FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) Missing borrower signature pg 2 IV          
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155878 FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) Missing borrower signature.          
275063637 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2019-06-17 03:06:51.000000 Loan Package Documentation Government Documentation Credit Open   3 23155879 FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents) Document is not dated          
275063638 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 TX $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Loan Package Documentation Application / Processing Credit Open   1 23156154 Missing Document: Missing Final 1003             Provide missing documentation
275063638 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 TX $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   1 23156155 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063638 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 TX $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 23156156 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Loan Package Documentation Application / Processing Credit Open   1 23156163 Missing Document: Missing Final 1003             Provide missing documentation
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Loan Package Documentation Application / Processing Credit Open   1 23156164 Missing Document: Flood Certificate not provided             Provide missing documentation
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 23156165 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 23156166 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 23156167 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063639 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 23156168 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063640 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 2020-10-26 15:17:24.000000 Loan Package Documentation Application / Processing Credit Open   1 23156405 Missing Document: Flood Certificate not provided             Provide missing documentation
275063640 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 2020-10-26 15:17:24.000000 Loan Package Documentation Closing / Title Credit Open   2 23156406 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063635 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WI $XXX Loan Review Complete 2020-10-26 15:17:24.000000 Compliance Federal Compliance Compliance Open   2 23156447 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063641 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2021-11-04 16:49:08.000000 Compliance Federal Compliance Compliance Open   2 23589416 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063641 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2021-11-04 16:49:08.000000 Compliance Federal Compliance Compliance Open   2 23589441 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063641 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2021-11-04 16:49:08.000000 Compliance Federal Compliance Compliance Open   2 23589442 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063641 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2021-11-04 16:49:08.000000 Compliance Federal Compliance Compliance Open   2 23589444 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063641 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2021-11-04 16:49:08.000000 Compliance Federal Compliance Compliance Open   2 23589445 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063642 XXX XXX XXX XXX Purchase Primary 2/XX/2019 FL $XXX Loan Review Complete 2021-11-19 13:30:00.000000 Credit Credit Eligibility Credit Open   2 23623454 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 7093.00, Credit Report: Original // Public Record Type: Collections / Balance: 7032.00            
275063642 XXX XXX XXX XXX Purchase Primary 2/XX/2019 FL $XXX Loan Review Complete 2021-11-19 13:30:00.000000 Compliance Federal Compliance Compliance Open   2 23623643 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275063642 XXX XXX XXX XXX Purchase Primary 2/XX/2019 FL $XXX Loan Review Complete 2021-11-19 13:30:00.000000 Compliance Federal Compliance Compliance Open   2 23623644 TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/02/XX/2019)           No Defined Cure
275063642 XXX XXX XXX XXX Purchase Primary 2/XX/2019 FL $XXX Loan Review Complete 2021-11-19 13:30:00.000000 Compliance Federal Compliance Compliance Open   2 23623658 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2019). (Final/02/XX/2019) The Finance Charges disclosed on the Borrower Final Closing Disclosure does not calculate to amounts captured within the loan file         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275063642 XXX XXX XXX XXX Purchase Primary 2/XX/2019 FL $XXX Loan Review Complete 2021-11-19 13:30:00.000000 Compliance Federal Compliance Compliance Open   2 23623661 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) The Transfer Tax in the amount of $XXX exceeds the Zero Percent Tolerance with no cure provided to the borrower at closing         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063643 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 PA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23655111 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063769 XXX XXX XXX XXX Purchase Primary 5/XX/2014 NY $XXX Reviewed with Exceptions 2019-08-05 15:27:31.000000 Compliance Federal Compliance Compliance Open   2 23663823 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. No evidence of initial disclosure was provided to the borrower.          
275063769 XXX XXX XXX XXX Purchase Primary 5/XX/2014 NY $XXX Reviewed with Exceptions 2019-08-05 15:27:31.000000 Compliance Federal Compliance Compliance Open   1 23663824 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. No evidence of initial disclosure was provided to the borrower.          
275063769 XXX XXX XXX XXX Purchase Primary 5/XX/2014 NY $XXX Reviewed with Exceptions 2019-08-05 15:27:31.000000 Compliance Federal Compliance Compliance Open   2 23663825 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE allows for the 10 days.          
275063769 XXX XXX XXX XXX Purchase Primary 5/XX/2014 NY $XXX Reviewed with Exceptions 2019-08-05 15:27:31.000000 Compliance Federal Compliance Compliance Open   2 23663826 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. No evidence of initial disclosure was provided to the borrower.         Provide missing documentation
275063769 XXX XXX XXX XXX Purchase Primary 5/XX/2014 NY $XXX Reviewed with Exceptions 2019-08-05 15:27:31.000000 Compliance Federal Compliance Compliance Open   2 23663827 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. No evidence of initial disclosure was provided to the borrower.          
275063625 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MN $XXX Loan Review Complete 2020-10-01 17:12:14.000000 Compliance Federal Compliance Compliance Cured 10/01/2020 2 23664031 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7341) Final CD reflects lender credit $XXX which is sufficient for the cure.       (2020/XX/01): Initial and Final CD provided sufficient cure. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063625 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MN $XXX Loan Review Complete 2020-10-01 17:12:14.000000 Compliance Federal Compliance Compliance Cured 10/01/2020 2 23664032 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7520) Final CD reflects lender credit $XXX which is sufficient for the cure.       (2020/XX/01): Initial and Final CD provided sufficient cure. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063625 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MN $XXX Loan Review Complete 2020-10-01 17:12:14.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 23664033 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review       (2020/XX/29): OK to Clear per CSM. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063625 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MN $XXX Loan Review Complete 2020-10-01 17:12:14.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 23664034 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review       (2020/XX/29): OK to Clear per CSM. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063625 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MN $XXX Loan Review Complete 2020-10-01 17:12:14.000000 Loan Package Documentation Application / Processing Compliance Cleared 12/29/2020 1 23664036 Missing Document: Missing Lender's Initial 1003   Missing dated initial application.       (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Loan Package Documentation Application / Processing Credit Open   3 23664073 Missing Document: Fraud Report not provided             Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Loan Package Documentation Application / Processing Compliance Open   1 23664074 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Property - Appraisal General Appraisal Requirements Property Open   3 23664076 Valuation Error: Appraiser and/or Supervisory appraiser are not licensed or certified in the appraiser national registry. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2017            
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664078 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017)            
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   1 23664079 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664080 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664081 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664082 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664083 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance State Compliance Compliance Open   2 23664084 Mississippi Late Charge Percent and Amount Testing > $XXX Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $XXX whichever is greater.            
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Cured 12/17/2020 1 23664085 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         (2020/XX/17): Sufficient Cure Provided At Closing Final CD evidences Cure
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664086 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 08/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/08/XX/2017) Final CD does not reflect seller's costs and seller's CD is not in file.         Letter of Explanation & Corrected Closing Disclosure
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 23664087 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/08/XX/2017) No proof CD was received at least 3 business days before closing.         No Defined Cure
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Loan Package Documentation Application / Processing Credit Open   3 23664089 Missing Document: Approval not provided             Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Loan Package Documentation Application / Processing Credit Open   3 23664090 Missing Document: AUS not provided   Please provide the Full AUS for submission #4 dated 08/XX/2017  11:46 AM ET. Doc in file is the AUS Summary results.         Provide missing documentation
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 23664091 AUS/Guideline Findings: All conditions were not met   Please provide the Full AUS for submission #4 dated 08/XX/2017  11:46 AM ET. Doc in file is the AUS Summary results.          
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Loan Package Documentation Application / Processing Credit Open   1 23664092 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2017                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2021		         (2023/XX/16): EXCEPTION HISTORY - Exception Explanation was updated on 06/XX/2023 PRIOR Exception Explanation: Most Recent Valuation Inspection Date: 07/XX/2017                 
Disaster End Date: 10/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 12/XX/2020		  
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Cleared 06/16/2023 1 23664093 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Loan is missing full AUS and waterfalling to ATR/QM documentation requirements.       (2023/XX/16): Loan designation was restated by client. Lender to provide updated ATR/QM status
275063724 XXX XXX XXX XXX Purchase Primary 8/XX/2017 MS $XXX Reviewed with Exceptions 2023-06-16 15:51:39.000000 Compliance Federal Compliance Compliance Open   2 28616732 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275063666 XXX XXX XXX XXX Refinance Rate/Term Investment 4/XX/2016 PA $XXX Loan Review Complete 2021-01-08 19:45:28.000000 Loan Package Documentation Application / Processing Compliance Open   1 23664126 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275063666 XXX XXX XXX XXX Refinance Rate/Term Investment 4/XX/2016 PA $XXX Loan Review Complete 2021-01-08 19:45:28.000000 Loan Package Documentation Application / Processing Credit Open   3 23664129 Missing Document: Fraud Report not provided             Provide missing documentation
275063666 XXX XXX XXX XXX Refinance Rate/Term Investment 4/XX/2016 PA $XXX Loan Review Complete 2021-01-08 19:45:28.000000 Credit Credit Documentation Credit Open   3 23664130 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 23664139 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Application / Processing Credit Open   3 23664140 Missing Document: Fraud Report not provided             Provide missing documentation
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Compliance Federal Compliance Compliance Open   2 23664141 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) No valid COC or cure was provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Compliance Federal Compliance Compliance Open   2 23664142 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Waiver.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (73131) No valid COC or cure was provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Insurance Insurance Analysis Credit Open   2 23664143 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   HOI policy provided reflects incorrect mortgagee clause.  Lender reflected is not lender on Note.  Lender to provide updated policy reflecting correct lender.          
275063654 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2016 WI $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Credit Credit Documentation Credit Open   3 23664146 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063785 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 IL $XXX Loan Review Complete 2020-12-21 17:52:40.000000 Loan Package Documentation Application / Processing Credit Open   3 23664328 Missing Document: Fraud Report not provided             Provide missing documentation
275063785 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 IL $XXX Loan Review Complete 2020-12-21 17:52:40.000000 Credit Credit Documentation Credit Open   3 23664330 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063785 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 IL $XXX Loan Review Complete 2020-12-21 17:52:40.000000 Compliance Federal Compliance Compliance Open   2 23664331 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization of Amount financed does not reflect any title fees.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063726 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 FL $XXX Loan Review Complete 2020-12-28 17:56:20.000000 Loan Package Documentation Application / Processing Credit Open   3 23664339 Missing Document: Fraud Report not provided             Provide missing documentation
275063726 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 FL $XXX Loan Review Complete 2020-12-28 17:56:20.000000 Compliance Federal Compliance Compliance Open   2 23664340 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275063726 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 FL $XXX Loan Review Complete 2020-12-28 17:56:20.000000 Compliance Federal Compliance Compliance Open   2 23664341 RESPA Disclosure - List of Homeownership Counseling Organizations Missing Unable to determine Homeownership Counseling List was provided due to missing information. Disclosure is not dated         Provide missing documentation
275063726 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 FL $XXX Loan Review Complete 2020-12-28 17:56:20.000000 Credit Credit Documentation Credit Open   3 23664342 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063726 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2014 FL $XXX Loan Review Complete 2020-12-28 17:56:20.000000 Loan Package Documentation Application / Processing Credit Open   1 23664343 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2014                 
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017		 The property is located in XXX, FL.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2017.          
275063697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 LA $XXX Loan Review Complete 2021-03-21 16:29:59.000000 Compliance Federal Compliance Compliance Open   2 23664411 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/03/XX/2017) The Appraisal receipt was dated on the same date of closing 03/XX/2017. The waiver was dated 03/XX/2017.          
275063697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 LA $XXX Loan Review Complete 2021-03-21 16:29:59.000000 Compliance Federal Compliance Compliance Open   2 23664412 TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 03/XX/2017). (Final/03/XX/2017) The final CD shows a TOP of $XXX, calculated is $XXX0; a difference of -$XXX from calculated. The post close CD corrects this error, however there is no copy of the cover-letter to the borrower addressing the changes made or evidence this was sent to the borrower.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
275063697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 LA $XXX Loan Review Complete 2021-03-21 16:29:59.000000 Compliance Federal Compliance Compliance Open   2 23664413 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) The fees increased on the final LE and a changed circumstance was provided, however, the circumstance cited of a rate lock does not support the increase in title fee closing cost that increased. The fees of $XXX has a 110% threshold of $XXX. Fees assessed were $XXX. A violation amount of $XXX. Provide a PCCD, copy of the cover-letter to the borrower addressing the changes made, a copy of a refund check for $XXX and evidence of delivery to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 LA $XXX Loan Review Complete 2021-03-21 16:29:59.000000 Loan Package Documentation Application / Processing Credit Open   1 23664414 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 03/XX/2017                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 03/XX/2021		 Provide a post disaster inspection for XXX. Disaster declaration date 08/XX/2020, declared disaster end date 08/278/2020. XXX County          
275063697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 LA $XXX Loan Review Complete 2021-03-21 16:29:59.000000 Compliance Federal Compliance Compliance Open   2 23664416 ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/03/XX/2017) Appraisal waiver was dated 03/XX/2021. Note date is 03/XX/2017.          
275063778 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2017 MA $XXX Loan Review Complete 2021-03-08 22:34:15.000000 Loan Package Documentation Application / Processing Credit Open   3 23664405 Missing Document: Fraud Report not provided             Provide missing documentation
275063778 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2017 MA $XXX Loan Review Complete 2021-03-08 22:34:15.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 23664406 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275063778 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2017 MA $XXX Loan Review Complete 2021-03-08 22:34:15.000000 Credit Credit Documentation Credit Open   3 23664408 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063778 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2017 MA $XXX Loan Review Complete 2021-03-08 22:34:15.000000 Compliance State Compliance Compliance Open   2 23664409 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
275063778 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2017 MA $XXX Loan Review Complete 2021-03-08 22:34:15.000000 Compliance Federal Compliance Compliance Open   2 23664410 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) The initial Loan Estimate does not include discount points. The added discount on sXXXequent Loan estimates are not accompanied with a valid change of circumstance.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063738 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 NJ $XXX Loan Review Complete 2021-03-01 17:20:33.000000 Loan Package Documentation Application / Processing Credit Open   3 23664449 Missing Document: Fraud Report not provided             Provide missing documentation
275063738 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 NJ $XXX Loan Review Complete 2021-03-01 17:20:33.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 23664450 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275063738 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 NJ $XXX Loan Review Complete 2021-03-01 17:20:33.000000 Credit Credit Documentation Credit Open   3 23664452 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275063777 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 5/XX/2014 OH $XXX Loan Review Complete 2021-02-18 15:01:02.000000 Income / Employment Income Documentation Credit Open   3 23664477 REO Documents are missing. Address: XXX, VA HOA Verification Missing HOA verification to determine monthly expenses.  1003 Used for calculations.         Provide missing documentation
275063777 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 5/XX/2014 OH $XXX Loan Review Complete 2021-02-18 15:01:02.000000 Compliance Federal Compliance Compliance Open   2 23664478 TILA NMLSR - Individual Originator License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. Missing evidence of being licensed in Ohio          
275063777 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 5/XX/2014 OH $XXX Loan Review Complete 2021-02-18 15:01:02.000000 Compliance State Compliance Compliance Open   2 23664479 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation. Missing all income documents except the required 4506-T and VOE for Refi Plus Transactions.          
275063777 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 5/XX/2014 OH $XXX Loan Review Complete 2021-02-18 15:01:02.000000 Loan Package Documentation Application / Processing Credit Open   3 23664480 Missing Document: Fraud Report not provided             Provide missing documentation
275063777 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 5/XX/2014 OH $XXX Loan Review Complete 2021-02-18 15:01:02.000000 Credit Credit Documentation Credit Open   3 23664481 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275063623 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Loan Review Complete 2019-11-25 14:02:01.000000 Compliance Federal Compliance Compliance Open   2 23664754 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063623 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Loan Review Complete 2019-11-25 14:02:01.000000 Compliance Federal Compliance Compliance Open   2 23664755 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275063623 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Loan Review Complete 2019-11-25 14:02:01.000000 Compliance Federal Compliance Compliance Open   2 23664756 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to index.  Index used by lender was 4.011% per Settlement Instructions which is outside look back period.  Only index available is 4.1425%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063624 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 ME $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Loan Package Documentation Closing / Title Compliance Open   2 23664843 (Doc Error) TIL Error: Borrower signature not dated.              
275063624 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 ME $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 23664844 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063624 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 ME $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 23664845 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063624 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 ME $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 23664846 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063624 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 ME $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 23664847 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063743 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 2020-03-26 14:10:22.000000 Compliance Federal Compliance Compliance Open   2 23664889 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063743 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 2020-03-26 14:10:22.000000 Compliance Federal Compliance Compliance Open   2 23664890 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063712 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 VA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 23664911 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063712 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 VA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 23664912 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664931 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664932 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664933 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664934 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664935 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063775 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 2018-02-12 19:05:31.000000 Compliance Federal Compliance Compliance Open   2 23664936 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063692 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665259 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063692 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665260 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063692 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665261 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063659 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Loan Package Documentation Application / Processing Credit Open   1 23665352 Missing Document: Missing Final 1003             Provide missing documentation
275063659 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665353 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063659 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Loan Package Documentation Closing / Title Compliance Open   2 23665354 (Doc Error) TIL Error: Borrower signature not dated.              
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   1 23665400 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665401 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665402 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665403 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665404 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063732 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665405 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665470 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063658 XXX XXX XXX XXX Purchase Primary 3/XX/2006 TX $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Loan Package Documentation Closing / Title Compliance Open   2 23665535 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063658 XXX XXX XXX XXX Purchase Primary 3/XX/2006 TX $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665536 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063658 XXX XXX XXX XXX Purchase Primary 3/XX/2006 TX $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665537 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date
but is not signed or dated by borrower so cannot confirm that borrower received.		          
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 23665763 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 23665764 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance State Compliance Compliance Open   2 23665765 New York Prepayment Penalty New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $XXX is 12 months.  Loan contracts for prepay term of 36 months, which exceeds max allowable.            
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 23665766 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 23665767 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063744 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 23665768 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure appears to be Index related.  The Rate Lock shows the Lender used an Index of 2.504 and the Min Index in the dropdown is 2.50417%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665819 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665820 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665821 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665822 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665823 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 23665824 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063691 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23665825 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063673 XXX XXX XXX XXX Purchase Second Home 8/XX/2005 FL $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665848 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063673 XXX XXX XXX XXX Purchase Second Home 8/XX/2005 FL $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665849 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063673 XXX XXX XXX XXX Purchase Second Home 8/XX/2005 FL $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665850 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063669 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665856 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063669 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665857 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063669 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665858 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063669 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 23665859 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Loan Package Documentation Application / Processing Credit Open   1 23665865 Missing Document: Missing Final 1003             Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23665866 Missing Document: Appraisal not provided             Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 23665867 (Doc Error) Initial GFE not provided              
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 23665868 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23665869 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   3 23665870 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23665871 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23665872 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23665873 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063731 XXX XXX XXX XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23665874 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063655 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NC $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23665882 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063655 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NC $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23665883 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063655 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NC $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23665884 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063759 XXX XXX XXX XXX Purchase Primary 8/XX/2007 GA $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23665888 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063722 XXX XXX XXX XXX Purchase Primary 2/XX/2007 MO $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Loan Package Documentation Application / Processing Credit Open   1 23665911 Missing Document: Missing Final 1003             Provide missing documentation
275063722 XXX XXX XXX XXX Purchase Primary 2/XX/2007 MO $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance Federal Compliance Compliance Open   2 23665912 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063750 XXX XXX XXX XXX Purchase Primary 9/XX/2002 IN $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666048 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063750 XXX XXX XXX XXX Purchase Primary 9/XX/2002 IN $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666049 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063750 XXX XXX XXX XXX Purchase Primary 9/XX/2002 IN $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666050 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the email fee of $XXX flood cert fee of $XXX processing fee of $XXX and recording service fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666061 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666062 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666063 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666064 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23666065 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063757 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23666066 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063741 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23666146 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063741 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666147 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275063741 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666148 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275063741 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666149 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063741 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666150 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063687 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666151 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063687 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666152 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275063687 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666153 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275063687 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666154 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275063687 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666155 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666356 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666357 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666358 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666359 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666360 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666361 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666362 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666363 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666364 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666365 RESPA (2010) - 0% Tolerance (Line 802) With Cure RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666366 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666367 RESPA (2010) - 0% Tolerance (Line 803) With Cure RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1            
275063761 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 GA $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666368 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 23666453 (Doc Error) Initial GFE not provided              
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666455 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666456 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666457 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666458 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666459 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666460 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666461 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666462 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666463 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666464 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666465 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666466 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 23666467 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063717 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2012 NY $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Loan Package Documentation Application / Processing Credit Open   1 23666468 Missing Document: Missing Final 1003             Provide missing documentation
275063752 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 FL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Loan Package Documentation Application / Processing Credit Open   1 23666524 Missing Document: Missing Final 1003             Provide missing documentation
275063752 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 FL $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 23666525 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23666639 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063745 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 MA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Insurance Insurance Documentation Credit Open   1 23666636 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063745 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 MA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 23666638 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275063665 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CT $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 23666653 (Doc Error) Initial GFE not provided              
275063665 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CT $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 23666654 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063665 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CT $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 23666655 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063718 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 PA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Loan Package Documentation Application / Processing Credit Open   1 23666697 Missing Document: Missing Final 1003             Provide missing documentation
275063718 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 PA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 23666698 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063718 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 PA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 23666699 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063647 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NE $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance Federal Compliance Compliance Open   2 23666709 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063647 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NE $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance Federal Compliance Compliance Open   2 23666710 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063647 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NE $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance Federal Compliance Compliance Open   2 23666711 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 14:53:11.000000 Compliance Federal Compliance Compliance Open   2 23666737 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 14:53:11.000000 Compliance Federal Compliance Compliance Open   2 23666738 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275063670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 14:53:11.000000 Insurance Insurance Documentation Credit Open   1 23666739 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063648 XXX XXX XXX XXX Purchase Second Home 7/XX/2007 GA $XXX Loan Review Complete 2020-11-05 10:29:53.000000 Compliance Federal Compliance Compliance Open   2 23666753 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Loan Package Documentation Application / Processing Credit Open   1 23666792 Missing Document: Missing Final 1003             Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Credit Credit Documentation Credit Open   3 23666793 Missing Document: Credit Report not provided             Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23666794 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   3 23666795 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23666796 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23666797 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 23666798 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23666799 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063686 XXX XXX XXX XXX Purchase Primary 6/XX/2007 AL $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Loan Package Documentation Closing / Title Credit Open   3 23666800 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275063747 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Loan Package Documentation Application / Processing Credit Open   1 23666811 Missing Document: Missing Final 1003             Provide missing documentation
275063747 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 23666812 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063747 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 23666813 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Application / Processing Credit Open   1 23666882 Missing Document: Missing Final 1003             Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   3 23666884 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666885 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666886 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666887 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666888 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23666889 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23666890 Missing Document: Appraisal not provided             Provide missing documentation
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 23666891 (Doc Error) Initial GFE not provided              
275063773 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 23666892 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063725 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Loan Package Documentation Application / Processing Credit Open   1 23666893 Missing Document: Missing Final 1003             Provide missing documentation
275063725 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Credit Credit Documentation Credit Open   3 23666894 Missing Document: Credit Report not provided             Provide missing documentation
275063725 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23666895 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2007           Provide missing documentation
275063725 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 23666896 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 23666901 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666903 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666904 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666905 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063758 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23666906 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 2020-11-05 10:29:53.000000 Loan Package Documentation Application / Processing Credit Open   1 23666909 Missing Document: Missing Final 1003             Provide missing documentation
275063657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 2020-11-05 10:29:53.000000 Compliance Federal Compliance Compliance Open   2 23666910 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063649 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 IN $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Miscellaneous Compliance Compliance Open   2 23666971 (Doc Error) Initial GFE not provided              
275063742 XXX XXX XXX XXX Purchase Primary 9/XX/2006 DE $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23667003 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063742 XXX XXX XXX XXX Purchase Primary 9/XX/2006 DE $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23667004 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063729 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23667013 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063729 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 23667014 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to the TIL itemization did not disclose a settlement fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063749 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance State Compliance Compliance Open   2 23667005 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667015 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667016 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667017 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667018 (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)           Provide missing documentation
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667019 (Doc Error) Initial GFE not provided              
275063644 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667020 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063727 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 23667031 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063727 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 23667032 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063727 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667033 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063727 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667034 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063727 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667035 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Application / Processing Credit Open   1 23667040 Missing Document: Missing Final 1003             Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23667041 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667042 Missing Document: Appraisal not provided             Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 23667043 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667044 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   3 23667045 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667046 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063719 XXX XXX XXX XXX Purchase Primary 8/XX/2006 PA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667047 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Loan Package Documentation Closing / Title Compliance Open   2 23667066 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower          
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Loan Package Documentation Closing / Title Credit Open   2 23667067 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667068 (Doc Error) Initial GFE not provided              
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667069 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667070 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667071 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667072 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063728 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667073 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063656 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667094 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063680 XXX XXX XXX XXX Purchase Investment 1/XX/2006 FL $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 23667111 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063748 XXX XXX XXX XXX Purchase Primary 7/XX/2005 TX $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23667229 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063748 XXX XXX XXX XXX Purchase Primary 7/XX/2005 TX $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Insurance Insurance Documentation Credit Open   1 23667230 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063740 XXX XXX XXX XXX Purchase Primary 4/XX/2005 MO $XXX Loan Review Complete 2020-12-28 10:10:43.000000 Compliance Federal Compliance Compliance Open   2 23667252 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063740 XXX XXX XXX XXX Purchase Primary 4/XX/2005 MO $XXX Loan Review Complete 2020-12-28 10:10:43.000000 Compliance Federal Compliance Compliance Open   2 23667253 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063730 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance State Compliance Compliance Open   2 23667276 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275063730 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667277 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063721 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 11/XX/2004 NJ $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Loan Package Documentation Application / Processing Credit Open   1 23667301 Missing Document: Missing Final 1003             Provide missing documentation
275063721 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 11/XX/2004 NJ $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667302 (Doc Error) Initial GFE not provided              
275063721 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 11/XX/2004 NJ $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 23667303 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063664 XXX XXX XXX XXX Purchase Primary 9/XX/2004 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667320 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063664 XXX XXX XXX XXX Purchase Primary 9/XX/2004 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667321 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063664 XXX XXX XXX XXX Purchase Primary 9/XX/2004 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 23667322 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose $XXX Commitment Fee, $XXX Email Fee, $XXX Flood Cert Fee, $XXX NOS Fee, $XXX Settlement Fee & $XXX Courier Fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063720 XXX XXX XXX XXX Purchase Primary 2/XX/2004 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Loan Package Documentation Application / Processing Credit Open   1 23667341 Missing Document: Missing Final 1003             Provide missing documentation
275063720 XXX XXX XXX XXX Purchase Primary 2/XX/2004 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667342 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063784 XXX XXX XXX XXX Purchase Investment 7/XX/2003 OK $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Loan Package Documentation Application / Processing Credit Open   1 23667375 Missing Document: Missing Final 1003             Provide missing documentation
275063784 XXX XXX XXX XXX Purchase Investment 7/XX/2003 OK $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667376 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Loan Package Documentation Application / Processing Credit Open   1 23667421 Missing Document: Missing Final 1003             Provide missing documentation
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23667422 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667423 Missing Document: Appraisal not provided             Provide missing documentation
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667424 (Doc Error) Initial GFE not provided              
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 23667425 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063782 XXX XXX XXX XXX Purchase Primary 8/XX/2001 SC $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 23667426 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063645 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2001 KY $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667431 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063645 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2001 KY $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667432 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063645 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2001 KY $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 23667433 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667494 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667495 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667496 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667497 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667498 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667499 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063703 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 IL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667500 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063713 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667584 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2013           Provide missing documentation
275063713 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667585 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063713 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667586 (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)           Provide missing documentation
275063760 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 IL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667611 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063760 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 IL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667612 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization of amount financed did not disclose Origination fee of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063760 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 IL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667613 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Loan Package Documentation Application / Processing Credit Open   1 23667653 Missing Document: Missing Final 1003             Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667654 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667655 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667656 RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667657 RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667658 RESPA (2010) -  Interest Rate on Final HUD-1 Inaccurate Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667659 RESPA (2010) -  Loan Amount on Final HUD-1 Inaccurate Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667660 RESPA (2010) -  Loan Term on Final HUD-1 Inaccurate Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667661 RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate Unable to determine if the Final HUD-1 reflects the actual payment due to missing information.            
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667662 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667663 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667664 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667665 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23667666 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667667 Missing Document: Appraisal not provided             Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 23667668 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667669 (Doc Error) Initial GFE not provided              
275063699 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 CT $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667670 RESPA - Incorrect HUD-1 Form Used RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.            
275063735 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667678 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2010           Provide missing documentation
275063735 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667679 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063781 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2009 NJ $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667687 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063762 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 PA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23667690 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2009           Provide missing documentation
275063762 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 PA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   3 23667691 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063762 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 PA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667692 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063762 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 PA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23667693 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization reflects Discount Points in the amount $XXX.  Preliminary HUD reflects a charge of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063702 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 AR $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667705 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063716 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 AZ $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   3 23667760 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063716 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 AZ $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667761 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 WA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667762 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 WA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667763 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 WA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667764 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063754 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Loan Package Documentation Application / Processing Credit Open   1 23667768 Missing Document: Missing Final 1003             Provide missing documentation
275063754 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667769 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063780 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667777 (Doc Error) Initial GFE not provided              
275063780 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667778 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063780 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667779 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063780 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667780 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063780 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Insurance Insurance Documentation Credit Open   1 23667781 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063756 XXX XXX XXX XXX Purchase Primary 12/XX/2007 GA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Miscellaneous Compliance Compliance Open   2 23667833 (Doc Error) Initial GFE not provided              
275063746 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667840 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063746 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 23667841 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063707 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NC $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   1 23667874 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063707 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NC $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667875 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063707 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NC $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667876 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063708 XXX XXX XXX XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667899 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063708 XXX XXX XXX XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667900 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063708 XXX XXX XXX XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667901 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final. Expected funding date same as disbursement and/or note date
but is not dated by borrower so cannot confirm when borrower received the TIL.		          
275063708 XXX XXX XXX XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Loan Package Documentation Closing / Title Compliance Open   2 23667902 (Doc Error) TIL Error: Borrower signature not dated.              
275063663 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23667909 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063766 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2007 PA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Insurance Insurance Documentation Credit Open   1 23667938 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063766 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2007 PA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23667939 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063766 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2007 PA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Loan Package Documentation Application / Processing Credit Open   1 23667940 Missing Document: Missing Final 1003             Provide missing documentation
275063770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23667950 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063770 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 23667951 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275063662 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NV $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Insurance Insurance Documentation Credit Open   1 23667994 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063662 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NV $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   3 23667995 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063779 XXX XXX XXX XXX Purchase Primary 5/XX/2007 NM $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668057 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063779 XXX XXX XXX XXX Purchase Primary 5/XX/2007 NM $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668058 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063737 XXX XXX XXX XXX Purchase Primary 5/XX/2007 IN $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668062 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063737 XXX XXX XXX XXX Purchase Primary 5/XX/2007 IN $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668063 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063715 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668082 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063715 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668083 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063715 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668084 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063709 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668096 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063709 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668097 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063689 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668132 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063689 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668133 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063651 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 GA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 23668137 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063694 XXX XXX XXX XXX Purchase Primary 3/XX/2007 SC $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 23668147 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275063734 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Loan Package Documentation Application / Processing Credit Open   1 23668163 Missing Document: Missing Final 1003             Provide missing documentation
275063734 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668164 (Doc Error) Initial GFE not provided              
275063734 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668165 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Release fee of $XXX and Electronic filing fee of $XXX per final HUD were not included in prepaid finance charges per TIL Itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063776 XXX XXX XXX XXX Purchase Primary 11/XX/2006 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668232 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063714 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 OH $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Insurance Insurance Documentation Credit Open   1 23668242 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063714 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 OH $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668243 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063771 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 UT $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668274 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063701 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   3 23668282 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063701 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Loan Package Documentation Application / Processing Credit Open   1 23668283 Missing Document: Missing Final 1003             Provide missing documentation
275063701 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668284 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063701 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668285 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063700 XXX XXX XXX XXX Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668277 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063700 XXX XXX XXX XXX Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 23668278 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063736 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 2021-02-25 19:13:56.000000 Compliance Federal Compliance Compliance Open   2 23668334 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275063736 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 2021-02-25 19:13:56.000000 Compliance Federal Compliance Compliance Open   2 23668335 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063736 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 2021-02-25 19:13:56.000000 Compliance Federal Compliance Compliance Open   2 23668336 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063736 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 2021-02-25 19:13:56.000000 Compliance Federal Compliance Compliance Open   2 23668337 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063710 XXX XXX XXX XXX Purchase Second Home 6/XX/2006 NV $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668354 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063710 XXX XXX XXX XXX Purchase Second Home 6/XX/2006 NV $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668355 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home).            
275063764 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Credit Credit Documentation Credit Open   3 23668361 Missing Document: Credit Report not provided             Provide missing documentation
275063764 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668362 (Doc Error) Initial GFE not provided              
275063764 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Compliance Federal Compliance Compliance Open   2 23668363 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063764 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Compliance Federal Compliance Compliance Open   2 23668364 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063684 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Compliance Federal Compliance Compliance Open   2 23668370 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063684 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 2021-02-25 20:49:11.000000 Compliance Federal Compliance Compliance Open   2 23668371 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063668 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CT $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Loan Package Documentation Application / Processing Credit Open   1 23668385 Missing Document: Missing Final 1003             Provide missing documentation
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Application / Processing Credit Open   1 23668388 Missing Document: Missing Final 1003             Provide missing documentation
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668389 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668390 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668391 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668392 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668393 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668394 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but not signed or dated by borrower so cannot confirm borrower received.          
275063698 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Closing / Title Compliance Open   2 23668395 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 23668416 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Unable to test Bill of Rights disclosure due to missing information.            
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 23668417 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 23668418 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668419 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose $XXX courier fee as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668420 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063688 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668421 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063711 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668447 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063653 XXX XXX XXX XXX Purchase Primary 12/XX/2005 OH $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668448 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063653 XXX XXX XXX XXX Purchase Primary 12/XX/2005 OH $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Loan Package Documentation Application / Processing Credit Open   1 23668449 Missing Document: Missing Final 1003             Provide missing documentation
275063653 XXX XXX XXX XXX Purchase Primary 12/XX/2005 OH $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 23668450 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063661 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668462 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063661 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668463 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063678 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668497 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063678 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668498 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063678 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668499 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275063695 XXX XXX XXX XXX Purchase Primary 7/XX/2005 GA $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 23668516 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063695 XXX XXX XXX XXX Purchase Primary 7/XX/2005 GA $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Loan Package Documentation Application / Processing Credit Open   1 23668517 Missing Document: Missing Final 1003             Provide missing documentation
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Loan Package Documentation Application / Processing Credit Open   1 23668525 Missing Document: Missing Final 1003             Provide missing documentation
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668526 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668527 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23668528 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23668529 Missing Document: Appraisal not provided             Provide missing documentation
275063704 XXX XXX XXX XXX Purchase Primary 6/XX/2005 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668530 (Doc Error) Initial GFE not provided              
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Credit Credit Documentation Credit Open   3 23668556 Missing Document: Credit Report not provided             Provide missing documentation
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23668557 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668558 (Doc Error) Initial GFE not provided              
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668559 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668560 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668561 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668562 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063660 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23668563 Missing Document: Appraisal not provided             Provide missing documentation
275063705 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 PA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 23668591 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063706 XXX XXX XXX XXX Purchase Primary 10/XX/2004 KS $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Loan Package Documentation Application / Processing Credit Open   3 23668637 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275063706 XXX XXX XXX XXX Purchase Primary 10/XX/2004 KS $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668638 (Doc Error) Initial GFE not provided              
275063706 XXX XXX XXX XXX Purchase Primary 10/XX/2004 KS $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Federal Compliance Compliance Open   2 23668639 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063706 XXX XXX XXX XXX Purchase Primary 10/XX/2004 KS $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Federal Compliance Compliance Open   2 23668640 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063706 XXX XXX XXX XXX Purchase Primary 10/XX/2004 KS $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Credit Credit Documentation Credit Open   3 23668641 Missing Document: Credit Report not provided             Provide missing documentation
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 23668677 Missing Document: Credit Report not provided             Provide missing documentation
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668678 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668679 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668680 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668681 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668682 (Doc Error) Initial GFE not provided              
275063755 XXX XXX XXX XXX Purchase Primary 5/XX/2004 MI $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23668683 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2004           Provide missing documentation
275063652 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 MD $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668708 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063652 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 MD $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668709 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063652 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 MD $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668710 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063652 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 MD $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 23668711 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063652 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 MD $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Loan Package Documentation Application / Processing Credit Open   1 23668712 Missing Document: Missing Final 1003             Provide missing documentation
275063739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 MN $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Credit Credit Documentation Credit Open   3 23668739 Missing Document: Credit Report not provided             Provide missing documentation
275063739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 MN $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Miscellaneous Compliance Compliance Open   2 23668740 (Doc Error) Initial GFE not provided              
275063739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 MN $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668741 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063739 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 MN $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 23668742 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063696 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 SC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Application / Processing Credit Open   1 23668776 Missing Document: Missing Final 1003             Provide missing documentation
275063733 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Miscellaneous Compliance Compliance Open   2 23727212 (Doc Error) Initial GFE not provided              
275063733 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23727705 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063733 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23727706 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063733 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23727707 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063751 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2002 NE $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729037 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063751 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2002 NE $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729038 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 23729480 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Miscellaneous Compliance Compliance Open   2 23729481 (Doc Error) Initial GFE not provided              
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729503 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729504 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729505 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23729513 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears a lower Index was used at origination than the 5.18560% Index available within the look-back period. Also, fees on HUD-1 were not entirely legible.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   2 23752109 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063774 XXX XXX XXX XXX Purchase Primary 5/XX/2006 LA $XXX Loan Review Complete 2021-11-11 17:37:40.000000 Compliance Federal Compliance Compliance Open   3 23752110 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable. HUD provided not legible to review and capture fees.         Provide missing documentation
275063681 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-11-17 09:56:06.000000 Compliance Federal Compliance Compliance Open   2 23791913 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063681 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-11-17 09:56:06.000000 Compliance Federal Compliance Compliance Open   2 23798665 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063800 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 IL $XXX Loan Review Complete 2021-12-04 12:44:17.000000 Loan Package Documentation Application / Processing Credit Open   1 23915654 Missing Document: Missing Final 1003             Provide missing documentation
275063800 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 IL $XXX Loan Review Complete 2021-12-04 12:44:17.000000 Compliance Federal Compliance Compliance Open   2 23915883 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063800 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 IL $XXX Loan Review Complete 2021-12-04 12:44:17.000000 Compliance State Compliance Compliance Open   2 23915884 Illinois Prepayment Penalty Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 11.95000%.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275063800 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2005 IL $XXX Loan Review Complete 2021-12-04 12:44:17.000000 Compliance Federal Compliance Compliance Open   2 23915885 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 2.28% per the approval, however the lowest index value available in the lookback period is 2.39%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063802 XXX XXX XXX XXX Purchase Primary 8/XX/2006 SC $XXX Loan Review Complete 2021-12-04 12:44:17.000000 Compliance State Compliance Compliance Open   2 23916220 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275063796 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 MI $XXX Loan Review Complete 2016-12-05 10:28:24.000000 Compliance Federal Compliance Compliance Open   2 23894619 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063796 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 MI $XXX Loan Review Complete 2016-12-05 10:28:24.000000 Compliance State Compliance Compliance Open   2 23894620 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063796 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 MI $XXX Loan Review Complete 2016-12-05 10:28:24.000000 Compliance Federal Compliance Compliance Open   2 23894621 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063796 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 MI $XXX Loan Review Complete 2016-12-05 10:28:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 23894622 (Doc Error) Initial GFE not provided              
275063803 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 2018-03-12 21:53:58.000000 Compliance Federal Compliance Compliance Open   2 23894653 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063793 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 2018-08-19 20:25:57.000000 Loan Package Documentation Application / Processing Credit Open   1 23894662 Missing Document: Missing Final 1003             Provide missing documentation
275063793 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 2018-08-19 20:25:57.000000 Compliance Federal Compliance Compliance Open   2 23894663 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275063793 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 2018-08-19 20:25:57.000000 Compliance Federal Compliance Compliance Open   2 23894664 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063793 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 2018-08-19 20:25:57.000000 Compliance Federal Compliance Compliance Open   2 23894665 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063794 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NV $XXX Loan Review Complete 2018-04-23 17:05:04.000000 Compliance Federal Compliance Compliance Open   2 23894666 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063794 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NV $XXX Loan Review Complete 2018-04-23 17:05:04.000000 Compliance Federal Compliance Compliance Open   2 23894667 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2004.           Provide missing documentation
275063794 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NV $XXX Loan Review Complete 2018-04-23 17:05:04.000000 Compliance Federal Compliance Compliance Open   2 23894668 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063794 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NV $XXX Loan Review Complete 2018-04-23 17:05:04.000000 Compliance Federal Compliance Compliance Open   2 23894669 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063792 XXX XXX XXX XXX Purchase Primary 5/XX/2003 GA $XXX Loan Review Complete 2018-08-31 17:26:56.000000 Loan Package Documentation Application / Processing Credit Open   1 23894767 Missing Document: Missing Final 1003             Provide missing documentation
275063792 XXX XXX XXX XXX Purchase Primary 5/XX/2003 GA $XXX Loan Review Complete 2018-08-31 17:26:56.000000 Compliance Federal Compliance Compliance Open   2 23894768 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063824 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 FL $XXX Loan Review Complete 2019-05-24 15:31:11.000000 Compliance Federal Compliance Compliance Open   2 23894836 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275063824 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 FL $XXX Loan Review Complete 2019-05-24 15:31:11.000000 Compliance Federal Compliance Compliance Open   2 23894837 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275063824 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 FL $XXX Loan Review Complete 2019-05-24 15:31:11.000000 Compliance Federal Compliance Compliance Open   2 23894838 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063805 XXX XXX XXX XXX Purchase Primary 7/XX/2011 NC $XXX Loan Review Complete 2019-05-09 09:51:23.000000 Compliance Federal Compliance Compliance Open   2 23894846 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063805 XXX XXX XXX XXX Purchase Primary 7/XX/2011 NC $XXX Loan Review Complete 2019-05-09 09:51:23.000000 Compliance Federal Compliance Compliance Open   2 23894847 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275063805 XXX XXX XXX XXX Purchase Primary 7/XX/2011 NC $XXX Loan Review Complete 2019-05-09 09:51:23.000000 Compliance Federal Compliance Compliance Open   2 23894848 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275063805 XXX XXX XXX XXX Purchase Primary 7/XX/2011 NC $XXX Loan Review Complete 2019-05-09 09:51:23.000000 Compliance Federal Compliance Compliance Open   2 23894849 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275063805 XXX XXX XXX XXX Purchase Primary 7/XX/2011 NC $XXX Loan Review Complete 2019-05-09 09:51:23.000000 Compliance Federal Compliance Compliance Open   2 23894850 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275063823 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 OR $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 23894915 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063823 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 OR $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 23894916 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 WA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Loan Package Documentation Application / Processing Credit Open   1 23894917 Missing Document: Missing Final 1003             Provide missing documentation
275063806 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 WA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 23894918 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2007.           Provide missing documentation
275063819 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 23894951 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2007.           Provide missing documentation
275063819 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Loan Package Documentation Application / Processing Credit Open   1 23894952 Missing Document: Missing Final 1003             Provide missing documentation
275063815 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-06-27 14:33:02.000000 Loan Package Documentation Application / Processing Credit Open   1 23895011 Missing Document: Missing Final 1003             Provide missing documentation
275063815 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-06-27 14:33:02.000000 Compliance Federal Compliance Compliance Open   2 23895012 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275063815 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-06-27 14:33:02.000000 Compliance Federal Compliance Compliance Open   2 23895013 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275063813 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 IL $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Loan Package Documentation Application / Processing Credit Open   1 23895127 Missing Document: Missing Final 1003             Provide missing documentation
275063813 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 IL $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895128 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2003.           Provide missing documentation
275063811 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2003 LA $XXX Loan Review Complete 2019-07-03 08:16:13.000000 Compliance Federal Compliance Compliance Open   2 23895151 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization does not reflect attorney fee of $XXX or courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063810 XXX XXX XXX XXX Purchase Primary 6/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Loan Package Documentation Application / Processing Credit Open   1 23895153 Missing Document: Missing Final 1003             Provide missing documentation
275063810 XXX XXX XXX XXX Purchase Primary 6/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895154 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2003.           Provide missing documentation
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895155 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2002.           Provide missing documentation
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance State Compliance Compliance Open   2 23895156 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance State Compliance Compliance Open   2 23895157 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance State Compliance Compliance Open   2 23895158 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895159 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895160 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Compliance Federal Compliance Compliance Open   2 23895161 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Loan Package Documentation Application / Processing Credit Open   1 23895162 Missing Document: Missing Final 1003             Provide missing documentation
275063807 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 MI $XXX Loan Review Complete 2019-07-14 10:26:58.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23895163 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2003           Provide missing documentation
275063789 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Loan Package Documentation Application / Processing Credit Open   1 23895295 Missing Document: Missing Final 1003             Provide missing documentation
275063789 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 23895296 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063789 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 23895297 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063789 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 23895298 (Doc Error) Initial GFE not provided              
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Loan Package Documentation Application / Processing Credit Open   1 23895390 Missing Document: Missing Final 1003             Provide missing documentation
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895391 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895392 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895393 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895394 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895395 TILA HELOC - Tax Advisor Statement Missing Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor.           Provide missing documentation
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895396 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895397 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2005.           Provide missing documentation
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895398 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895399 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor.  The G-7 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895400 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063826 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 2018-07-13 09:06:20.000000 Compliance Federal Compliance Compliance Open   2 23895401 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063812 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 MT $XXX Loan Review Complete 2018-10-23 19:14:44.000000 Compliance Federal Compliance Compliance Open   2 23895405 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   2 23958755 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2016)            
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   3 23958756 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk.         Lender to provide updated ATR/QM status
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   2 23958757 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Not provided to applicant within three (3) business days of application.          
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   3 23958758 General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.65214% moderately exceeds the guideline maximum of 42.41%. (DTI Exception is eligible to be regraded with compensating factors.) DTI variance due to $XXX consumer payment, that was excluded, by lender.  Omission of debt was not supported.          
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   3 23958759 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. DTI variance due to $XXX consumer payment, that was excluded, by lender.  Omission of debt was not supported.          
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   2 23958760 TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 03/XX/2016 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation           TRID timing exception, no remediation available.
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   2 23958761 TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/03/XX/2016)           No Defined Cure
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Cured 08/09/2021 1 23958763 TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (0)         (2021/XX/09): Sufficient Cure Provided At Closing Final CD evidences Cure
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Missing Document General Credit Open   3 23958764 Incomplete Document: Closing Disclosure is incomplete   3/XX/2016 CD is incomplete.          
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 23958765 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 43.65214% exceeds AUS total debt ratio of 39.41000%. Omission of $XXX/month payment was not justified, causing DTI exception.          
275063633 XXX XXX XXX XXX Purchase Primary 4/XX/2016 AZ $XXX Loan Review Complete 2021-08-09 23:58:33.000000 Compliance Federal Compliance Compliance Open   3 23958766 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. ATR risk due to DTI exception.          
275063627 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CT $XXX Loan Review Complete 2021-08-16 12:10:13.000000 Compliance Federal Compliance Compliance Open   2 23959129 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275063627 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CT $XXX Loan Review Complete 2021-08-16 12:10:13.000000 Compliance Federal Compliance Compliance Open   2 23959130 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.            
275063627 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CT $XXX Loan Review Complete 2021-08-16 12:10:13.000000 Compliance Federal Compliance Compliance Open   2 23959131 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275063627 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CT $XXX Loan Review Complete 2021-08-16 12:10:13.000000 Compliance Federal Compliance Compliance Open   2 23959132 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. No evidence of early receipt was located in the file          
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Insurance Insurance Documentation Credit Open   1 23968146 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Loan Package Documentation Application / Processing Credit Open   3 23968147 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Credit Credit Documentation Credit Open   3 23968148 Missing Document: Credit Report not provided             Provide missing documentation
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23968149 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Loan Package Documentation Application / Processing Credit Open   1 23968150 Missing Document: Missing Final 1003             Provide missing documentation
275063631 XXX XXX XXX XXX Purchase Investment 6/XX/2001 NV $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   3 23968151 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Property - Appraisal Appraisal Documentation Credit Open   3 23969098 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2012           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969099 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969100 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969101 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969102 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969103 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969104 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969105 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969106 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969107 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969108 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969109 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969110 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969111 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969112 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969113 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance State Compliance Compliance Open   2 23969114 Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969115 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969116 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Insurance Insurance Documentation Credit Open   1 23969117 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063634 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 MN $XXX Loan Review Complete 2021-07-20 09:05:04.000000 Compliance Federal Compliance Compliance Open   2 23969118 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Loan Package Documentation Application / Processing Credit Open   1 23971311 Missing Document: Missing Final 1003             Provide missing documentation
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 23971312 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971313 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971314 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971315 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971316 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971317 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971318 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063632 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2012 NY $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23971319 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063629 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 OH $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 23972496 (Doc Error) Initial GFE not provided              
275063629 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 OH $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23972497 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063629 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 OH $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23972498 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063629 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 OH $XXX Loan Review Complete 2021-07-26 17:41:16.000000 Compliance Federal Compliance Compliance Open   2 23972499 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063628 XXX XXX XXX XXX Purchase Primary 3/XX/2006 PA $XXX Loan Review Complete 2020-03-23 17:56:55.000000 Insurance Insurance Documentation Credit Open   1 23988523 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063786 XXX XXX XXX XXX Purchase Primary 8/XX/2007 NY $XXX Loan Review Complete 2019-07-18 06:31:35.000000 Compliance Federal Compliance Compliance Open   2 24058526 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063841 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 NY $XXX Loan Review Complete 2016-08-05 11:53:29.000000 Compliance State Compliance Compliance Open   2 24637352 Note Error: Note late charge percentage exceeds maximum per state   Late charge of 5% per the note exceeds NY statute of 2%          
275063841 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 NY $XXX Loan Review Complete 2016-08-05 11:53:29.000000 Loan Package Documentation Application / Processing Compliance Open   1 24637353 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275063841 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 NY $XXX Loan Review Complete 2016-08-05 11:53:29.000000 Compliance Federal Compliance Compliance Open   2 24637354 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063840 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NY $XXX Loan Review Complete 2016-03-14 20:32:20.000000 Compliance Federal Compliance Compliance Open   2 24637327 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063842 XXX XXX XXX XXX Purchase Primary 4/XX/2007 NY $XXX Loan Review Complete 2016-08-05 18:08:25.000000 Loan Package Documentation Application / Processing Credit Open   1 24637343 Missing Document: Missing Final 1003             Provide missing documentation
275063843 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 2016-08-09 18:29:00.000000 Compliance Miscellaneous Compliance Compliance Open   2 24637385 (Doc Error) Initial GFE not provided              
275063843 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 2016-08-09 18:29:00.000000 Compliance Federal Compliance Compliance Open   2 24637386 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063843 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 2016-08-09 18:29:00.000000 Compliance Federal Compliance Compliance Open   2 24637387 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063843 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 2016-08-09 18:29:00.000000 Compliance Federal Compliance Compliance Open   2 24637388 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063847 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2018-10-31 16:10:08.000000 Compliance Federal Compliance Compliance Open   2 24637516 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063847 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2018-10-31 16:10:08.000000 Compliance Federal Compliance Compliance Open   2 24637517 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063847 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2018-10-31 16:10:08.000000 Compliance Federal Compliance Compliance Open   2 24637518 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275063847 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2018-10-31 16:10:08.000000 Loan Package Documentation Closing / Title Compliance Open   2 24637519 (Doc Error) TIL Error: Borrower signature not dated.              
275063996 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2016 MI $XXX Loan Review Complete 2021-01-11 13:55:13.000000 Loan Package Documentation Application / Processing Credit Open   3 24686769 Missing Document: Fraud Report not provided             Provide missing documentation
275063996 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2016 MI $XXX Loan Review Complete 2021-01-11 13:55:13.000000 Credit Credit Documentation Credit Open   3 24686771 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063996 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2016 MI $XXX Loan Review Complete 2021-01-11 13:55:13.000000 Compliance Federal Compliance Compliance Open   2 24686772 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2016)            
275063996 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2016 MI $XXX Loan Review Complete 2021-01-11 13:55:13.000000 Compliance Federal Compliance Compliance Open   2 24686773 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/20/2016) Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.         No Defined Cure
275063996 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2016 MI $XXX Loan Review Complete 2021-01-11 13:55:13.000000 Compliance Federal Compliance Compliance Open   2 24686774 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) A valid change of circumstance as not provided for the increase in Loan Discount Points         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275063997 XXX XXX XXX XXX Purchase Primary 9/XX/2016 PA $XXX Loan Review Complete 2021-01-15 12:56:19.000000 Compliance Federal Compliance Compliance Open   2 24686781 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Seller paid portion of fee not disclosed on Borrower LE.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064009 XXX XXX XXX XXX Purchase Primary 12/XX/2015 TX $XXX Loan Review Complete 2019-08-22 00:05:30.000000 Loan Package Documentation Application / Processing Credit Open   1 24686806 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2015                 
Disaster End Date: 09/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2017		            
275064009 XXX XXX XXX XXX Purchase Primary 12/XX/2015 TX $XXX Loan Review Complete 2019-08-22 00:05:30.000000 Appraisal Reconciliation Value Discrepancy Property Open   3 24686807 Loan is to go in a securitization and reflects only one valuation product when two are required.              
275064009 XXX XXX XXX XXX Purchase Primary 12/XX/2015 TX $XXX Loan Review Complete 2019-08-22 00:05:30.000000 Compliance Federal Compliance Compliance Open   2 24686808 TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/XX/2015 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/12/XX/2015) Final CD reflects $XXX interest per day collected 12/XX/15 to 12/XX/15 for a total of $XXX.         Letter of Explanation & Corrected Closing Disclosure
275064009 XXX XXX XXX XXX Purchase Primary 12/XX/2015 TX $XXX Loan Review Complete 2019-08-22 00:05:30.000000 Compliance Federal Compliance Compliance Open   2 24686810 TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Borrower only acknowledged receipt at closing         No Defined Cure
275063960 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2015 CA $XXX Loan Review Complete 2021-01-13 14:31:02.000000 Compliance Federal Compliance Compliance Open   2 24686864 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275063960 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2015 CA $XXX Loan Review Complete 2021-01-13 14:31:02.000000 Compliance Federal Compliance Compliance Open   2 24686865 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063960 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2015 CA $XXX Loan Review Complete 2021-01-13 14:31:02.000000 Loan Package Documentation Application / Processing Credit Open   1 24686866 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2015                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275063960 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2015 CA $XXX Loan Review Complete 2021-01-13 14:31:02.000000 Insurance Insurance Analysis Credit Open   2 24686867 Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date 03/XX/2016, Note Date 12/XX/2015            
275064046 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2015 CA $XXX Loan Review Complete 2021-01-12 16:51:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24686883 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2015                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		 The property is located in XXX, CA.  Provide a post-disaster inspection verifying there was no damage from Wildfires.  The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2020.          
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Credit Credit Documentation Credit Open   3 24686938 Missing Document: Credit Report not provided             Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Application / Processing Credit Open   3 24686939 Missing Document: Fraud Report not provided             Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Loan File Credit Open   3 24686940 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Application / Processing Credit Open   3 24686941 Missing Document: Approval not provided             Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Credit Credit Documentation Credit Open   3 24686943 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Application / Processing Compliance Open   1 24686944 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24686945 Missing Document: Flood Certificate not provided   Flood Cert in file is dated 12/XX/2011.         Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Insurance Insurance Analysis Credit Open   2 24686946 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.              
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Income / Employment Income Documentation Credit Open   3 24686947 REO Documents are missing. Address: XXX, NJ Insurance Verification, Tax Verification Missing Tax and Insurance Verification to determine monthly expenses         Provide missing documentation
275064047 XXX XXX XXX XXX Refinance Rate/Term Investment 2/XX/2015 FL $XXX Loan Review Complete 2021-01-05 14:17:23.000000 Compliance Federal Compliance Compliance Open   2 24686948 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. Disclosure was provided at closing          
275063900 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 PA $XXX Loan Review Complete 2021-01-04 14:14:14.000000 Loan Package Documentation Application / Processing Compliance Open   1 24686962 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Loan Package Documentation Application / Processing Credit Open   3 24687064 Missing Document: Fraud Report not provided             Provide missing documentation
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Credit Credit Documentation Credit Open   3 24687065 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687066 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.            
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687067 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687068 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687069 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687070 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.          
275063871 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2014 WI $XXX Loan Review Complete 2021-03-01 21:04:08.000000 Compliance Federal Compliance Compliance Open   2 24687071 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2014)            
275063935 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2014 NC $XXX Loan Review Complete 2021-02-26 16:57:48.000000 Compliance Federal Compliance Compliance Open   2 24687081 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275063935 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2014 NC $XXX Loan Review Complete 2021-02-26 16:57:48.000000 Loan Package Documentation Application / Processing Credit Open   3 24687082 Missing Document: Fraud Report not provided             Provide missing documentation
275063935 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2014 NC $XXX Loan Review Complete 2021-02-26 16:57:48.000000 Credit Credit Documentation Credit Open   3 24687083 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275063935 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2014 NC $XXX Loan Review Complete 2021-02-26 16:57:48.000000 Loan Package Documentation Application / Processing Credit Open   1 24687085 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2014                 
Disaster End Date: 09/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2018		            
275063956 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 GA $XXX Loan Review Complete 2021-02-18 12:54:50.000000 Loan Package Documentation Application / Processing Credit Open   3 24687145 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 03/XX/1998
Disaster End Date:  05/XX/1998		            
275063956 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 GA $XXX Loan Review Complete 2021-02-18 12:54:50.000000 Compliance Federal Compliance Compliance Open   2 24687147 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1         (2021/XX/10): Sufficient cure provided at closing.  
275063956 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 GA $XXX Loan Review Complete 2021-02-18 12:54:50.000000 Loan Package Documentation Application / Processing Credit Open   3 24687148 Missing Document: Fraud Report not provided             Provide missing documentation
275063956 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 GA $XXX Loan Review Complete 2021-02-18 12:54:50.000000 Credit Credit Documentation Credit Open   3 24687149 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275063881 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 IL $XXX Reviewed with Exceptions 2018-05-21 15:27:18.000000 Compliance Federal Compliance Compliance Open   2 24687280 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2007.           Provide missing documentation
275063912 XXX XXX XXX XXX Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 2018-12-14 14:23:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 24687298 (Doc Error) Initial GFE not provided              
275063912 XXX XXX XXX XXX Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 2018-12-14 14:23:50.000000 Compliance Federal Compliance Compliance Open   2 24687299 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063912 XXX XXX XXX XXX Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 2018-12-14 14:23:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 24687300 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275063912 XXX XXX XXX XXX Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 2018-12-14 14:23:50.000000 Compliance Federal Compliance Compliance Open   2 24687301 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275063912 XXX XXX XXX XXX Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 2018-12-14 14:23:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 24687302 (Doc Error) TIL Error: Borrower signature not dated.              
275063850 XXX XXX XXX XXX Purchase Primary 10/XX/2011 CA $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 24687454 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275063850 XXX XXX XXX XXX Purchase Primary 10/XX/2011 CA $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 24687455 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063850 XXX XXX XXX XXX Purchase Primary 10/XX/2011 CA $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 24687456 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063850 XXX XXX XXX XXX Purchase Primary 10/XX/2011 CA $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 24687457 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275063944 XXX XXX XXX XXX Purchase Primary 8/XX/2011 AL $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 24687465 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275063944 XXX XXX XXX XXX Purchase Primary 8/XX/2011 AL $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 24687466 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275063867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 FL $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 24687518 (Doc Error) Initial GFE not provided              
275064028 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 CA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24687554 Missing Document: Missing Final 1003             Provide missing documentation
275064028 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 CA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 24687555 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064028 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 CA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24687556 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2004           Provide missing documentation
275064028 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 CA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 24687557 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064002 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24687562 Missing Document: Missing Final 1003             Provide missing documentation
275064002 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 24687563 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064002 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 24687564 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064002 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Credit Credit Documentation Credit Open   3 24687565 Missing Document: Credit Report not provided             Provide missing documentation
275063851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-05-04 19:08:04.000000 Loan Package Documentation Application / Processing Credit Open   1 24687604 Missing Document: Missing Final 1003             Provide missing documentation
275063851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-05-04 19:08:04.000000 Compliance Federal Compliance Compliance Open   1 24687605 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-05-04 19:08:04.000000 Compliance Federal Compliance Compliance Open   2 24687606 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-05-04 19:08:04.000000 Compliance Federal Compliance Compliance Open   2 24687607 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063851 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-05-04 19:08:04.000000 Compliance Federal Compliance Compliance Open   2 24687608 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of the prepaid finance charges from the itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063971 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NJ $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 24687617 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063971 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NJ $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Loan Package Documentation Closing / Title Compliance Open   2 24687618 (Doc Error) TIL Error: Borrower signature not dated.              
275063862 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 AK $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 24687669 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063862 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 AK $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 24687670 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063857 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2020-02-13 11:26:48.000000 Compliance Federal Compliance Compliance Open   2 24687680 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063857 XXX XXX XXX XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 2020-02-13 11:26:48.000000 Compliance Federal Compliance Compliance Open   2 24687681 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063933 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2011 IL $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Credit Credit Documentation Credit Open   3 24687687 Missing Document: Credit Report not provided             Provide missing documentation
275063933 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2011 IL $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 24687688 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063927 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 24687710 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063927 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   1 24687711 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063927 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 24687712 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064003 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-03-31 19:48:06.000000 Compliance Federal Compliance Compliance Open   2 24687713 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lender's Final TIL represents 111 monthly payments of MI. Whereas audited finance charge reflects 112 monthly payments of MI.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063882 XXX XXX XXX XXX Purchase Primary 5/XX/2007 LA $XXX Loan Review Complete 2020-03-26 14:10:22.000000 Compliance Federal Compliance Compliance Open   2 24687714 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063882 XXX XXX XXX XXX Purchase Primary 5/XX/2007 LA $XXX Loan Review Complete 2020-03-26 14:10:22.000000 Loan Package Documentation Application / Processing Credit Open   1 24687715 Missing Document: Missing Final 1003             Provide missing documentation
275063939 XXX XXX XXX XXX Purchase Primary 12/XX/2007 MO $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 24687728 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063976 XXX XXX XXX XXX Purchase Primary 4/XX/2007 SC $XXX Loan Review Complete 2018-03-01 20:21:39.000000 Compliance Federal Compliance Compliance Open   2 24687750 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063976 XXX XXX XXX XXX Purchase Primary 4/XX/2007 SC $XXX Loan Review Complete 2018-03-01 20:21:39.000000 Compliance State Compliance Compliance Open   2 24687751 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275063976 XXX XXX XXX XXX Purchase Primary 4/XX/2007 SC $XXX Loan Review Complete 2018-03-01 20:21:39.000000 Compliance Federal Compliance Compliance Open   2 24687752 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063856 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Loan Review Complete 2018-02-20 08:56:34.000000 Loan Package Documentation Closing / Title Compliance Open   2 24687758 (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date.           (2021/XX/03): Downgraded to EV2 based on loan from 2006, purchase loan (HOEPA exempt) and well below state HC points and fees threshold.  
275063856 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Loan Review Complete 2018-02-20 08:56:34.000000 Compliance Federal Compliance Compliance Open   2 24687759 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687779 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687780 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687781 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687782 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687783 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064033 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 4/XX/2004 NC $XXX Loan Review Complete 2018-11-26 18:25:54.000000 Compliance Federal Compliance Compliance Open   2 24687784 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2003.           Provide missing documentation
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Loan Package Documentation Application / Processing Credit Open   1 24687785 Missing Document: Missing Final 1003             Provide missing documentation
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Loan Package Documentation Closing / Title Credit Open   3 24687786 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Compliance Federal Compliance Compliance Open   2 24687787 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Compliance Federal Compliance Compliance Open   2 24687788 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Compliance Federal Compliance Compliance Open   2 24687789 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2000, prior to three (3) business days from transaction date of 05/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063946 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2000 OH $XXX Loan Review Complete 2018-11-27 19:58:14.000000 Compliance Federal Compliance Compliance Open   2 24687790 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063995 XXX XXX XXX XXX Purchase Primary 3/XX/2006 PA $XXX Loan Review Complete 2019-06-05 11:02:08.000000 Compliance Federal Compliance Compliance Open   2 24687808 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063995 XXX XXX XXX XXX Purchase Primary 3/XX/2006 PA $XXX Loan Review Complete 2019-06-05 11:02:08.000000 Loan Package Documentation Application / Processing Credit Open   2 24687809 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 02/XX/2006            
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Loan Package Documentation Application / Processing Credit Open   1 24687929 Missing Document: Missing Final 1003             Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Loan Package Documentation Government Documentation Credit Open   3 24687930 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Loan Package Documentation Government Documentation Credit Open   3 24687931 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24687932 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 24687933 (Doc Error) Initial GFE not provided              
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 FHA MIP Document Error Compliance Open   3 24687934 Missing details of FHA UFMIP (ie. financed vs cash portions).  Testing is incomplete.             Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Disclosure Missing Document Credit Open   3 24687935 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   2 24687936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1997 used as disbursement date for compliance testing.           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   2 24687937 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   3 24687938 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   2 24687939 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/1997 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   2 24687940 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Loan Package Documentation Application / Processing Credit Open   1 24687941 Missing Document: Flood Certificate not provided             Provide missing documentation
275063928 XXX XXX XXX XXX Purchase Primary 11/XX/1997 KS $XXX Loan Review Complete 2021-04-23 07:53:45.000000 Compliance Federal Compliance Compliance Open   2 24687942 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance Federal Compliance Compliance Open   2 24688000 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance State Compliance Compliance Open   2 24688001 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $XXX contains an impermissible prepayment penalty.            
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance State Compliance Compliance Open   2 24688002 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance Federal Compliance Compliance Open   2 24688003 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance Federal Compliance Compliance Open   2 24688004 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 12.81100% is underdisclosed from calculated APR of 13.27924% outside of 0.250% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance Federal Compliance Compliance Open   2 24688005 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, it appears lender used an index lower than available within look back. Lowest index within look back is 6.49630%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063892 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 NC $XXX Loan Review Complete 2021-05-28 15:32:09.000000 Compliance Federal Compliance Compliance Open   2 24688006 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Disclosure Missing Document Credit Open   3 24688079 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688080 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688081 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688082 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688083 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275064001 XXX XXX XXX XXX Purchase Primary 9/XX/2010 PA $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688084 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275063942 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 IN $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688091 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063942 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 IN $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688092 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063942 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 IN $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688093 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064029 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688136 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064029 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688137 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064029 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688138 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064029 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 2021-05-27 18:11:12.000000 Compliance Federal Compliance Compliance Open   2 24688139 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688180 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688181 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance State Compliance Compliance Open   2 24688182 Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance.            
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688183 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Loan Package Documentation Closing / Title Credit Open   2 24688184 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688185 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose a Recording Service fee of $XXX as a prepaid finance charge.  Also,  the TIL Itemization disclosed a Settlement Fee of $XXX and the final HUD reflects $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24688201 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688202 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688203 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688204 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688205 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688206 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063923 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688232 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063923 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688233 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063923 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688234 Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Missing.          
275063973 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 WI $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Loan Package Documentation Closing / Title Credit Open   2 24688366 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275063973 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 WI $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Loan Package Documentation Application / Processing Credit Open   1 24688367 Missing Document: Missing Final 1003             Provide missing documentation
275063973 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 WI $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Credit Credit Documentation Credit Open   3 24688368 Missing Document: Credit Report not provided             Provide missing documentation
275063973 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 WI $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688369 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063973 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 WI $XXX Loan Review Complete 2021-05-25 09:01:56.000000 Compliance Federal Compliance Compliance Open   2 24688370 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063959 XXX XXX XXX XXX Purchase Primary 7/XX/2005 MI $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Loan Package Documentation Closing / Title Compliance Open   2 24688425 (Doc Error) TIL Error: Borrower signature not dated.              
275063959 XXX XXX XXX XXX Purchase Primary 7/XX/2005 MI $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 24688426 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063959 XXX XXX XXX XXX Purchase Primary 7/XX/2005 MI $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 24688427 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063959 XXX XXX XXX XXX Purchase Primary 7/XX/2005 MI $XXX Loan Review Complete 2021-06-01 15:19:03.000000 Compliance Federal Compliance Compliance Open   2 24688428 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063952 XXX XXX XXX XXX Purchase Primary 8/XX/2007 OH $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688488 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063952 XXX XXX XXX XXX Purchase Primary 8/XX/2007 OH $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688489 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063952 XXX XXX XXX XXX Purchase Primary 8/XX/2007 OH $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance State Compliance Compliance Open   2 24688490 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063952 XXX XXX XXX XXX Purchase Primary 8/XX/2007 OH $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance State Compliance Compliance Open   2 24688491 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided Timely) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure at the time of closing.            
275063952 XXX XXX XXX XXX Purchase Primary 8/XX/2007 OH $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Loan Package Documentation Application / Processing Credit Open   1 24688492 Missing Document: Missing Final 1003             Provide missing documentation
275063899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24688527 (Doc Error) Initial GFE not provided              
275063899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24688528 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24688529 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24688530 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063947 XXX XXX XXX XXX Purchase Primary 1/XX/2006 MI $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Insurance Insurance Documentation Credit Open   1 24688547 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063947 XXX XXX XXX XXX Purchase Primary 1/XX/2006 MI $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24688548 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24688573 Missing Document: Missing Final 1003             Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Credit Credit Documentation Credit Open   3 24688574 Missing Document: Credit Report not provided             Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688575 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   3 24688576 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688577 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688578 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688579 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688580 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688581 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24688582 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24688583 Missing Document: Appraisal not provided             Provide missing documentation
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24688584 (Doc Error) Initial GFE not provided              
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24688585 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064044 XXX XXX XXX XXX UTD UTD UTD 9/XX/2004 WA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24688586 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064045 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2013 CA $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 24688624 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064045 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2013 CA $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24688625 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064045 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2013 CA $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24688626 Missing Document: Appraisal not provided             Provide missing documentation
275064045 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2013 CA $XXX Loan Review Complete 2021-01-19 13:05:16.000000 Compliance Federal Compliance Compliance Open   2 24688627 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).            
275064034 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 CT $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688748 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064034 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 CT $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688749 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064034 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 CT $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24688750 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064034 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 CT $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24688751 Missing Document: Appraisal not provided             Provide missing documentation
275063984 XXX XXX XXX XXX Purchase Primary 5/XX/2005 MN $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24688780 Missing Document: Missing Final 1003             Provide missing documentation
275063984 XXX XXX XXX XXX Purchase Primary 5/XX/2005 MN $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24688781 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063922 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24688791 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063922 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24688792 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063922 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24688793 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when the borrower received.          
275063941 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688794 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063941 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688795 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063941 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688796 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063941 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NC $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Loan Package Documentation Closing / Title Compliance Open   2 24688797 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063868 XXX XXX XXX XXX Purchase Primary 1/XX/2008 CO $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Insurance Insurance Documentation Credit Open   1 24688824 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063868 XXX XXX XXX XXX Purchase Primary 1/XX/2008 CO $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   1 24688825 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063961 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 24688828 (Doc Error) Initial GFE not provided              
275063961 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688829 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063961 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688830 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063961 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2021-01-14 08:34:45.000000 Compliance Federal Compliance Compliance Open   2 24688831 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Loan Package Documentation Application / Processing Credit Open   1 24688901 Missing Document: Missing Final 1003             Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Credit Credit Documentation Credit Open   3 24688902 Missing Document: Credit Report not provided             Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688903 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688904 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688905 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Federal Compliance Compliance Open   2 24688906 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Compliance Miscellaneous Compliance Compliance Open   2 24688907 (Doc Error) Initial GFE not provided              
275063989 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 NY $XXX Loan Review Complete 2020-12-03 08:42:35.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24688908 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Credit Credit Documentation Credit Open   3 24688920 Missing Document: Credit Report not provided             Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24688921 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24688922 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 24688923 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 24688924 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24688925 Missing Document: Missing Final 1003             Provide missing documentation
275063929 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MI $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance State Compliance Compliance Open   2 24688939 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
275063929 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MI $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance State Compliance Compliance Open   2 24688940 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
275063929 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MI $XXX Loan Review Complete 2020-11-09 13:56:46.000000 Compliance State Compliance Compliance Open   2 24688941 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24688954 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 24688955 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 24688956 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 24688957 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 24688958 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063948 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 24688959 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063953 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Insurance Insurance Documentation Credit Open   1 24689017 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063953 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 24689018 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24689044 Missing Document: Missing Final 1003             Provide missing documentation
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 24689045 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 24689046 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance State Compliance Compliance Open   2 24689047 Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).            
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance State Compliance Compliance Open   2 24689048 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064018 XXX XXX XXX XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance State Compliance Compliance Open   2 24689049 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance Federal Compliance Compliance Open   2 24689071 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance Federal Compliance Compliance Open   2 24689072 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance Federal Compliance Compliance Open   2 24689073 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance State Compliance Compliance Open   2 24689074 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance State Compliance Compliance Open   2 24689075 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Compliance State Compliance Compliance Open   2 24689076 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063891 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MI $XXX Loan Review Complete 2020-11-06 10:52:29.000000 Insurance Insurance Documentation Credit Open   1 24689077 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24689078 Missing Document: Missing Final 1003             Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689079 Missing Document: Appraisal not provided             Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689080 (Doc Error) Initial GFE not provided              
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24689081 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689082 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   3 24689083 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689084 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689085 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689086 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689087 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689088 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689089 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689090 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063990 XXX XXX XXX XXX UTD UTD UTD 9/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24689091 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689158 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689159 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689160 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689161 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689162 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064004 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 UT $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689163 (Doc Error) Initial GFE not provided              
275063869 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   3 24689220 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064037 XXX XXX XXX XXX Purchase Primary 5/XX/2006 HI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689224 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064037 XXX XXX XXX XXX Purchase Primary 5/XX/2006 HI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689225 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Credit Credit Documentation Credit Open   3 24689257 Missing Document: Credit Report not provided             Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Loan Package Documentation Application / Processing Credit Open   1 24689258 Missing Document: Missing Final 1003             Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689259 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689260 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689261 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24689262 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689263 Missing Document: Appraisal not provided             Provide missing documentation
275063908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689264 (Doc Error) Initial GFE not provided              
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689265 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689266 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689267 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689268 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received          
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 24689269 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063858 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689270 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063954 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689274 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063954 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689275 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063954 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689276 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Underdisclosure due to Itemization did not include $XXX closing protection letter, $XXX discount fee, $XXX notice of settlement fee and showed settlement fees of $XXX and $XXX but was only $XXX on HUD-1         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063954 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689277 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Insurance Insurance Documentation Credit Open   1 24689286 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Loan Package Documentation Closing / Title Compliance Open   2 24689287 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689288 (Doc Error) Initial GFE not provided              
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689289 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689290 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063955 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689291 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064035 XXX XXX XXX XXX Purchase Primary 1/XX/2006 OH $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689292 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064035 XXX XXX XXX XXX Purchase Primary 1/XX/2006 OH $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689293 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance State Compliance Compliance Open   2 24689314 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
275063901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance State Compliance Compliance Open   2 24689315 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance State Compliance Compliance Open   2 24689316 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063902 XXX XXX XXX XXX Purchase Second Home 10/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Insurance Insurance Documentation Credit Open   1 24689309 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063902 XXX XXX XXX XXX Purchase Second Home 10/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689310 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063902 XXX XXX XXX XXX Purchase Second Home 10/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689311 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063902 XXX XXX XXX XXX Purchase Second Home 10/XX/2005 NC $XXX Loan Review Complete 2020-12-08 08:34:24.000000 Compliance Federal Compliance Compliance Open   2 24689312 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063998 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AK $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689344 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063998 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AK $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689345 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063998 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AK $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689346 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063998 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AK $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689347 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063998 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AK $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24689348 Missing Document: Missing Final 1003             Provide missing documentation
275063985 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689342 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose the $XXX pickup fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063985 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689343 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063875 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689397 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063962 XXX XXX XXX XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689398 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063977 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689442 (Doc Error) Initial GFE not provided              
275063977 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689443 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063977 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689444 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689449 (Doc Error) Initial GFE not provided              
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689450 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689451 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance State Compliance Compliance Open   2 24689452 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance State Compliance Compliance Open   2 24689453 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance State Compliance Compliance Open   2 24689454 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689455 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689456 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689457 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063978 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689458 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063859 XXX XXX XXX XXX Purchase Primary 1/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689465 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063859 XXX XXX XXX XXX Purchase Primary 1/XX/2005 FL $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689466 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to lender did not include $XXX escrow service fee, $XXX recording fee, or courier fee of $XXX as prepaid finance charges, the itemization over estimated settlement fee by $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063979 XXX XXX XXX XXX Purchase Primary 10/XX/2004 NY $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 24689495 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063930 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Loan Package Documentation Application / Processing Credit Open   1 24689539 Missing Document: Missing Final 1003             Provide missing documentation
275063930 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689540 (Doc Error) Initial GFE not provided              
275063930 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689541 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063930 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689542 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063930 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689543 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Fees are under disclosed $XXX and fees match the HUD.  Itemization not provided.  Unable to verify the reason for the under disclosure without the Itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063903 XXX XXX XXX XXX Purchase Primary 4/XX/2004 KS $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689580 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Loan Package Documentation Application / Processing Credit Open   1 24689581 Missing Document: Missing Final 1003             Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24689582 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689583 Missing Document: Appraisal not provided             Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689584 (Doc Error) Initial GFE not provided              
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689586 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689587 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689588 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689589 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689590 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689591 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063949 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Credit Credit Documentation Credit Open   3 24689592 Missing Document: Credit Report not provided             Provide missing documentation
275063931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Insurance Insurance Documentation Credit Open   1 24689633 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689634 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689635 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689636 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064011 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 PA $XXX Loan Review Complete 2020-12-22 10:09:33.000000 Compliance Federal Compliance Compliance Open   2 24689652 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063883 XXX XXX XXX XXX Purchase Primary 8/XX/2003 IL $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689653 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.		         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063870 XXX XXX XXX XXX Purchase Primary 6/XX/2003 NC $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 24689676 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063870 XXX XXX XXX XXX Purchase Primary 6/XX/2003 NC $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689677 (Doc Error) Initial GFE not provided              
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24689726 Missing Document: Missing Final 1003             Provide missing documentation
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689727 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance State Compliance Compliance Open   2 24689728 Ohio Alternate Prepayment Penalty SMLA Test Ohio Prepayment Penalty:  Loan contains an impermissible prepayment penalty which allows for a prepayment penalty on a refinance by the same lender. (applies only to Second Mortgage Loan Act registrants)            
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689729 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689730 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063963 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Loan Package Documentation Closing / Title Credit Open   2 24689731 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689773 Missing Document: Appraisal not provided             Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   3 24689774 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689775 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689776 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689777 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689778 (Doc Error) Initial GFE not provided              
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Credit Credit Documentation Credit Open   3 24689779 Missing Document: Credit Report not provided             Provide missing documentation
275063934 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 OH $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689780 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064019 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2002 NY $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 24689797 (Doc Error) Initial GFE not provided              
275064019 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2002 NY $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance State Compliance Compliance Open   2 24689798 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064019 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2002 NY $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689799 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064019 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2002 NY $XXX Loan Review Complete 2020-12-30 12:53:08.000000 Compliance Federal Compliance Compliance Open   2 24689800 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064013 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2013 MS $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689953 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275064013 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2013 MS $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689954 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064013 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2013 MS $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance State Compliance Compliance Open   2 24689955 Mississippi Late Charge Percent and Amount Testing > $XXX Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $XXX whichever is greater.            
275063884 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689956 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063884 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689957 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275063884 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 CA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689958 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064020 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 MI $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689968 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064020 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 MI $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689969 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064020 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 MI $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689970 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275063964 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689994 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275063964 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689995 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275063964 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689996 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063964 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24689997 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063964 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24689998 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2013           Provide missing documentation
275064021 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 MD $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690031 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064021 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 MD $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690032 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose a Subordination Recording Fee for $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064021 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 MD $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance State Compliance Compliance Open   2 24690033 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
275064021 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 MD $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance State Compliance Compliance Open   2 24690034 Maryland Ability to Repay Not Verified Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.            
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690059 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2010           Provide missing documentation
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690060 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690061 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690062 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690063 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063914 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690064 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690099 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690100 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690101 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Loan Package Documentation Closing / Title Compliance Open   2 24690102 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690103 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063918 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2009 TX $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690104 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275063919 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690112 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063919 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690113 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063919 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690114 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275063919 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 FL $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Insurance Insurance Documentation Credit Open   1 24690115 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063894 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 24690138 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
275064025 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2008 PA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690181 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064025 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2008 PA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690182 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064049 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   1 24690195 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064049 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690196 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064049 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 2021-02-04 07:05:22.000000 Compliance Federal Compliance Compliance Open   2 24690197 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063992 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2007 NJ $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 24690220 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063991 XXX XXX XXX XXX Purchase Primary 11/XX/2007 IA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690224 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063924 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690270 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063924 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690271 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063924 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690272 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to missing amortization schedule.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063909 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 OH $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690281 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063909 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 OH $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690282 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063909 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 OH $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 24690283 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation.            
275063909 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 OH $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 24690284 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063909 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 OH $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 24690285 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275063981 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24690278 Missing Document: Missing Final 1003             Provide missing documentation
275063981 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690279 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063981 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690280 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690289 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690290 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275063864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance State Compliance Compliance Open   2 24690291 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275063987 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TX $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690330 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2007           Provide missing documentation
275063987 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TX $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690331 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063980 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 UT $XXX Loan Review Complete 2021-02-10 15:03:54.000000 Compliance Federal Compliance Compliance Open   2 24690332 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063999 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 KY $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 24690412 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063975 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 AZ $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 24690437 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063975 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 AZ $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 24690438 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064036 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 6/XX/2006 NJ $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690499 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   1 24690514 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275063951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690515 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690516 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690517 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063936 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NV $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690530 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064022 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 FL $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Insurance Insurance Documentation Credit Open   1 24690538 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064022 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 FL $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690539 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064022 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 FL $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690540 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064022 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 FL $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690541 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064022 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 FL $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   3 24690543 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063950 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690568 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063950 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24690569 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275063950 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24690570 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063950 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24690571 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063950 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24690572 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275063915 XXX XXX XXX XXX Purchase Primary 11/XX/2005 PA $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690585 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063915 XXX XXX XXX XXX Purchase Primary 11/XX/2005 PA $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690586 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063915 XXX XXX XXX XXX Purchase Primary 11/XX/2005 PA $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690587 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Loan Package Documentation Application / Processing Credit Open   1 24690603 Missing Document: Missing Final 1003             Provide missing documentation
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Loan Package Documentation Application / Processing Credit Open   1 24690604 Missing Document: Missing Final 1003             Provide missing documentation
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24690605 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24690606 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24690607 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063885 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2005 TX $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24690608 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064038 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 RI $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690619 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064038 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 RI $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690620 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275064038 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 RI $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690621 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064038 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2005 RI $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Compliance Federal Compliance Compliance Open   2 24690622 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063916 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IL $XXX Loan Review Complete 2021-03-03 10:29:38.000000 Loan Package Documentation Closing / Title Compliance Open   2 24690634 (Doc Error) TIL Error: Borrower signature not dated.              
275063965 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690653 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063965 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690654 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063965 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690655 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063965 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690656 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2005           Provide missing documentation
275064015 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690651 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064015 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690652 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275063876 XXX XXX XXX XXX Purchase Primary 6/XX/2005 UT $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690670 (Doc Error) Initial GFE not provided              
275063877 XXX XXX XXX XXX Purchase Primary 6/XX/2005 MA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690673 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   3 24690681 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MI $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690760 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MI $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance State Compliance Compliance Open   2 24690761 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
275063993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MI $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance State Compliance Compliance Open   2 24690762 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
275063993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MI $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance State Compliance Compliance Open   2 24690763 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Loan Package Documentation Closing / Title Credit Open   3 24690782 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690783 (Doc Error) Initial GFE not provided              
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690784 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690785 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690786 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063860 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Credit Credit Documentation Credit Open   3 24690787 Missing Document: Credit Report not provided             Provide missing documentation
275064026 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690790 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063865 XXX XXX XXX XXX Purchase Primary 12/XX/2004 DE $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Compliance Federal Compliance Compliance Open   2 24690813 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063865 XXX XXX XXX XXX Purchase Primary 12/XX/2004 DE $XXX Loan Review Complete 2021-02-25 11:15:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24690814 Missing Document: Missing Final 1003             Provide missing documentation
275064039 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NE $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Federal Compliance Compliance Open   2 24690823 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064039 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NE $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Federal Compliance Compliance Open   2 24690824 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064039 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NE $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690825 (Doc Error) Initial GFE not provided              
275063861 XXX XXX XXX XXX Purchase Primary 11/XX/2004 UT $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24690830 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063861 XXX XXX XXX XXX Purchase Primary 11/XX/2004 UT $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   3 24690831 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690879 (Doc Error) Initial GFE not provided              
275063925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-03-22 20:33:39.000000 Compliance Federal Compliance Compliance Open   3 24690880 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24690890 Missing Document: Missing Final 1003             Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Insurance Insurance Documentation Credit Open   1 24690891 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Credit Credit Documentation Credit Open   3 24690892 Missing Document: Credit Report not provided             Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24690893 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24690894 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24690895 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24690896 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24690897 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690898 Missing Document: Appraisal not provided             Provide missing documentation
275063855 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690899 (Doc Error) Initial GFE not provided              
275063932 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690955 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063932 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690956 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063932 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690957 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063982 XXX XXX XXX XXX Purchase Primary 2/XX/2004 OK $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690958 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lender reflects MI falling off after 120 months. Audited TIL reflects MI drop off after 126 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Loan Package Documentation Application / Processing Credit Open   1 24690959 Missing Document: Missing Final 1003             Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24690960 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24690961 Missing Document: Appraisal not provided             Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690962 (Doc Error) Initial GFE not provided              
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24690963 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24690964 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690965 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   3 24690966 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690967 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690968 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance State Compliance Compliance Open   2 24690969 Virginia Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690970 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064000 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2004 VA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24690971 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063905 XXX XXX XXX XXX Purchase Primary 9/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Insurance Insurance Documentation Credit Open   1 24691047 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063905 XXX XXX XXX XXX Purchase Primary 9/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691048 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064030 XXX XXX XXX XXX Purchase Primary 9/XX/2003 OH $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 24691062 Missing Document: Credit Report not provided             Provide missing documentation
275064030 XXX XXX XXX XXX Purchase Primary 9/XX/2003 OH $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691063 (Doc Error) Initial GFE not provided              
275064030 XXX XXX XXX XXX Purchase Primary 9/XX/2003 OH $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691064 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064030 XXX XXX XXX XXX Purchase Primary 9/XX/2003 OH $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691065 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064030 XXX XXX XXX XXX Purchase Primary 9/XX/2003 OH $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Insurance Insurance Documentation Credit Open   1 24691066 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063873 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 24691119 Missing Document: Credit Report not provided             Provide missing documentation
275063873 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691120 (Doc Error) Initial GFE not provided              
275063873 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691121 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275063873 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691122 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063873 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691123 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Credit Credit Documentation Credit Open   3 24691106 Missing Document: Credit Report not provided             Provide missing documentation
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691107 (Doc Error) Initial GFE not provided              
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691108 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   3 24691109 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691110 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691111 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063943 XXX XXX XXX XXX Purchase Second Home 8/XX/2003 AL $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691112 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home).            
275063957 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2003 UT $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691146 (Doc Error) Initial GFE not provided              
275063957 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2003 UT $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691147 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063957 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2003 UT $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691148 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063872 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 FL $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691169 (Doc Error) Initial GFE not provided              
275063872 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 FL $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691170 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064032 XXX XXX XXX XXX Purchase Primary 6/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 24691171 Missing Document: Credit Report not provided             Provide missing documentation
275064032 XXX XXX XXX XXX Purchase Primary 6/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691172 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064032 XXX XXX XXX XXX Purchase Primary 6/XX/2003 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691173 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Loan Package Documentation Application / Processing Credit Open   1 24691174 Missing Document: Missing Final 1003             Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 24691175 Missing Document: Credit Report not provided             Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Loan Package Documentation Application / Processing Credit Open   1 24691176 Missing Document: Flood Certificate not provided             Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24691177 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24691178 Missing Document: Appraisal not provided             Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691179 (Doc Error) Initial GFE not provided              
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691180 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691181 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   3 24691182 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691183 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691184 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063958 XXX XXX XXX XXX Purchase UTD 5/XX/2003 MN $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691185 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Loan Package Documentation Application / Processing Credit Open   1 24691241 Missing Document: Missing Final 1003             Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Credit Credit Documentation Credit Open   3 24691242 Missing Document: Credit Report not provided             Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691243 (Doc Error) Initial GFE not provided              
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691245 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691246 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691247 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691248 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064023 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691249 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063988 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 GA $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691251 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063937 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24691263 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063937 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24691264 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275063937 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24691265 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275063937 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MI $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance State Compliance Compliance Open   2 24691266 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275063888 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 CT $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24691287 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064016 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2002 FL $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24691290 Missing Document: Missing Final 1003             Provide missing documentation
275064016 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2002 FL $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Insurance Insurance Documentation Credit Open   1 24691291 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064016 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2002 FL $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691292 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064016 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2002 FL $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691293 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063887 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2002 TX $XXX Loan Review Complete 2021-03-18 21:41:51.000000 Compliance Federal Compliance Compliance Open   2 24691304 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063880 XXX XXX XXX XXX Purchase Primary 11/XX/2002 AZ $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Insurance Insurance Documentation Credit Open   1 24691311 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275063880 XXX XXX XXX XXX Purchase Primary 11/XX/2002 AZ $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Credit Credit Documentation Credit Open   3 24691312 Missing Document: Credit Report not provided             Provide missing documentation
275063880 XXX XXX XXX XXX Purchase Primary 11/XX/2002 AZ $XXX Loan Review Complete 2021-03-10 14:32:28.000000 Compliance Federal Compliance Compliance Open   2 24691313 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275063879 XXX XXX XXX XXX Purchase Primary 8/XX/2001 GA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Credit Credit Documentation Credit Open   3 24691384 Missing Document: Credit Report not provided             Provide missing documentation
275063879 XXX XXX XXX XXX Purchase Primary 8/XX/2001 GA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691385 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063879 XXX XXX XXX XXX Purchase Primary 8/XX/2001 GA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691386 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063879 XXX XXX XXX XXX Purchase Primary 8/XX/2001 GA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691387 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691394 (Doc Error) Initial GFE not provided              
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691395 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691396 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691397 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Compliance Federal Compliance Compliance Open   2 24691398 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064017 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 VA $XXX Loan Review Complete 2021-03-26 13:11:34.000000 Credit Credit Documentation Credit Open   3 24691399 Missing Document: Credit Report not provided             Provide missing documentation
275063967 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 PA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691405 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063967 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 PA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691406 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063967 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 PA $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691407 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a closing protection letter fee of $XXX or a courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063966 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24691400 Missing Document: Missing Final 1003             Provide missing documentation
275063966 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691401 (Doc Error) TIL Error: Borrower signature not dated.              
275063966 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   3 24691402 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063966 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691403 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2000 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063966 XXX XXX XXX XXX Purchase Primary 12/XX/2000 NC $XXX Loan Review Complete 2021-03-19 10:05:54.000000 Compliance Federal Compliance Compliance Open   2 24691404 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Fees are under disclosed $XXX and fees match the HUD.  TIL itemization did not disclose a Attorneys fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Loan Package Documentation Closing / Title Compliance Open   3 24691488 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Compliance Federal Compliance Compliance Open   2 24691489 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Compliance Federal Compliance Compliance Open   2 24691490 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691491 (Doc Error) TIL Error: Borrower signature not dated.              
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691492 (Doc Error) Initial GFE not provided              
275063920 XXX XXX XXX XXX Purchase Primary 9/XX/2004 FL $XXX Reviewed with Exceptions 2016-06-14 16:53:57.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691493 Initial TIL not provided              
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Loan Package Documentation Application / Processing Credit Open   1 24691508 Missing Document: Missing Final 1003             Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691509 (Doc Error) Initial GFE not provided              
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Loan Package Documentation Application / Processing Compliance Open   1 24691510 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691511 TILA - Final TIL Missing             Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Loan Package Documentation Closing / Title Compliance Open   3 24691512 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 24691513 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 24691514 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Compliance Federal Compliance Compliance Open   2 24691515 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064007 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2016-10-31 16:38:10.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24691516 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064027 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Insurance Insurance Documentation Credit Open   1 24691549 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064027 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 24691550 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2007.           Provide missing documentation
275064027 XXX XXX XXX XXX Purchase Primary 10/XX/2007 TX $XXX Reviewed with Exceptions 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 24691551 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691565 (Doc Error) TIL Error: Borrower signature not dated.              
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691566 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 24691567 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 24691568 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 24691569 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 24691570 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063921 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 2018-10-30 05:46:20.000000 Compliance Federal Compliance Compliance Open   2 24691571 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 WA $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 24691580 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2003.           Provide missing documentation
275063866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 WA $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 24691581 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 WA $XXX Loan Review Complete 2018-10-29 13:58:04.000000 Compliance Federal Compliance Compliance Open   2 24691582 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063897 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2001 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 24691589 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275063897 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2001 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 24691590 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063897 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2001 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Loan Package Documentation Application / Processing Credit Open   1 24691591 Missing Document: Missing Final 1003             Provide missing documentation
275063897 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2001 FL $XXX Loan Review Complete 2018-10-30 16:27:29.000000 Compliance Federal Compliance Compliance Open   2 24691592 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 24691602 Missing Document: Missing Final 1003             Provide missing documentation
275063969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691603 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 1/XX/2004 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275063969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 FL $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Closing / Title Compliance Open   2 24691604 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275063938 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 PA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Loan Package Documentation Application / Processing Credit Open   1 24691619 Missing Document: Missing Final 1003             Provide missing documentation
275063938 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 PA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691620 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275063938 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 PA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance State Compliance Compliance Open   2 24691621 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (PA) – min grace period for PA is 15 - note states 10          
275063968 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691674 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063968 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691675 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063917 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2006 MD $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691676 (Doc Error) Initial GFE not provided              
275063917 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2006 MD $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691677 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2006.           Provide missing documentation
275063917 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2006 MD $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691678 Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence.  (Compliance testing performed based on the Occupancy Type of Investment) Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings.          
275063898 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NC $XXX Loan Review Complete 2019-01-24 16:51:28.000000 Compliance Federal Compliance Compliance Open   2 24691679 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2006.           Provide missing documentation
275064008 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Loan Package Documentation Closing / Title Credit Open   2 24691680 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064008 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 24691681 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064008 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 24691682 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064008 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 2019-02-07 07:15:48.000000 Compliance Federal Compliance Compliance Open   2 24691683 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Miscellaneous Compliance Compliance Open   2 24691750 (Doc Error) Initial GFE not provided              
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691751 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691752 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691753 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691754 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691755 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691756 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063889 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2012 IL $XXX Loan Review Complete 2018-10-09 16:08:21.000000 Compliance Federal Compliance Compliance Open   2 24691757 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for underdisclosure due to missing Final TIL itemization         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063906 XXX XXX XXX XXX Purchase Primary 6/XX/2008 OH $XXX Loan Review Complete 2019-05-05 00:38:41.000000 Loan Package Documentation Government Documentation Credit Open   3 24691761 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275063906 XXX XXX XXX XXX Purchase Primary 6/XX/2008 OH $XXX Loan Review Complete 2019-05-05 00:38:41.000000 Loan Package Documentation Government Documentation Credit Open   3 24691762 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Loan Package Documentation Application / Processing Credit Open   1 24691886 Missing Document: Missing Final 1003             Provide missing documentation
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Insurance Insurance Documentation Credit Open   1 24691887 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 24691888 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 24691889 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 24691890 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064041 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 LA $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 24691891 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064127 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Loan Package Documentation Closing / Title Credit Open   2 24742509 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064127 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Loan Package Documentation Application / Processing Credit Open   1 24742623 Missing Document: Missing Final 1003             Provide missing documentation
275064127 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24742631 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064127 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24742632 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064128 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Loan Package Documentation Application / Processing Credit Open   1 24744335 Missing Document: Missing Final 1003             Provide missing documentation
275064128 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24744387 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064129 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NJ $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24744099 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064129 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NJ $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24744100 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064175 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NE $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24745009 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064175 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NE $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance State Compliance Compliance Open   2 24745010 Nebraska Prepayment Penalty Nebraska Prepayment Penalty:  Prepayment penalty may not be reasonable and necessary under the Residential Mortgage Licensing Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064175 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NE $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24745011 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064175 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NE $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24745012 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064059 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Loan Package Documentation Application / Processing Credit Open   1 24738834 Missing Document: Missing Final 1003             Provide missing documentation
275064059 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24738969 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064059 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24738970 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064059 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 IN $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24747994 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064060 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 KY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Loan Package Documentation Application / Processing Credit Open   1 24739056 Missing Document: Missing Final 1003             Provide missing documentation
275064060 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 KY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24739310 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064060 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 KY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24739311 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064060 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 KY $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24739312 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064061 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 OK $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Disclosure Missing Document Credit Open   3 24741223 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064061 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 OK $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24741334 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064061 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 OK $XXX Loan Review Complete 2022-02-11 07:35:36.000000 Compliance Federal Compliance Compliance Open   2 24749765 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Loan Package Documentation Application / Processing Credit Open   3 24757461 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Loan Package Documentation Application / Processing Credit Open   1 24757463 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2018                 
Disaster End Date: 10/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 01/XX/2021		 The property is located in XXX, LA .  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2020.          
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Loan Package Documentation Government Documentation Credit Open   2 24757464 FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)            
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Compliance Federal Compliance Compliance Open   2 24757465 TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/XX/2018 did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/XX/2018) Lender contact information not reflected on final CD.         Letter of Explanation & Corrected Closing Disclosure
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Compliance Federal Compliance Compliance Open   2 24757466 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7520) Credit Report fee increased from previously disclosed amount on loan estimate. No cure or change of circumstance.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Compliance Federal Compliance Compliance Open   2 24757467 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) 10% tolerance exceeded due to Title Fee increases.  No valid Changed Circumstance provided, nor was there evidence of a cure in file.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Compliance Federal Compliance Compliance Open   3 24757468 HUD QM Points and Fees HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.35280% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .35280%). Points and Fees on subject loan of 3.35280% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .35280%)         HUD QM points and fees exceptions are not curable. HUD stated that it could not adopt the 1026.43 points and fees cure for a variety of reasons.  
See HUD's Qualified Mortgage Rule: Announcement of Intention To Adopt Changes Pertaining to Exempted Transaction List Published 11/03/2014.
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Disclosure Missing Document Credit Open   3 24757472 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Loan Package Documentation Closing / Title Credit Open   3 24757473 Title Error: Title vesting does not concur with deed   Final Title does not reflect vesting and the Mortgage reflects Joint Tenancy          
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Guideline Guideline Issue Credit Open   3 24757474 Employment was not verified within 10 days of the note date. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2013 Missing VOE for B1          
275064225 XXX XXX XXX XXX Purchase Primary 12/XX/2018 LA $XXX Loan Review Complete 2021-04-22 19:55:10.000000 Compliance Federal Compliance Compliance Open   3 24757475 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Missing VOE within 10 days for B1         Lender to provide updated ATR/QM status
275064224 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2020 MA $XXX Loan Review Complete 2021-04-20 23:21:25.000000 Insurance Insurance Analysis Credit Open   3 24757426 Insufficient Coverage: Hazard insurance coverage amount is insufficient.              
275064226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2019 WI $XXX Loan Review Complete 2021-04-06 12:26:27.000000 Compliance Federal Compliance Compliance Open   2 24757618 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 11/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/11/XX/2018)            
275064226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2019 WI $XXX Loan Review Complete 2021-04-06 12:26:27.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24757619 AUS/Guideline Findings: All conditions were not met   Guidelines not provided, to determine if all conditions met          
275064227 XXX XXX XXX XXX Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 2021-04-06 14:10:11.000000 Compliance Federal Compliance Compliance Open   2 24757587 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) A valid COC was not provided and sufficient cure was not disclosed.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064227 XXX XXX XXX XXX Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 2021-04-06 14:10:11.000000 Compliance Federal Compliance Compliance Open   2 24757588 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) A valid COC was not provided and sufficient cure was not disclosed.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064231 XXX XXX XXX XXX Purchase Primary 5/XX/2015 PA $XXX Reviewed with Exceptions 2021-06-03 17:11:18.000000 Credit Credit Calculation / Analysis Credit Open   3 24757643 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 662 is less than Guideline representative FICO score of 700. The loan was approved with a credit score that did not meet the FNMA Eligibility guidelines.          
275064231 XXX XXX XXX XXX Purchase Primary 5/XX/2015 PA $XXX Reviewed with Exceptions 2021-06-03 17:11:18.000000 Compliance Federal Compliance Compliance Cleared 06/16/2023 1 24757645 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.         (2023/XX/16): Loan designation was restated by client.  
275064231 XXX XXX XXX XXX Purchase Primary 5/XX/2015 PA $XXX Reviewed with Exceptions 2021-06-03 17:11:18.000000 Compliance Federal Compliance Compliance Open   2 24757646 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. The GFE is dated 4/XX/15 and the charges are available through 4/XX/15.          
275064231 XXX XXX XXX XXX Purchase Primary 5/XX/2015 PA $XXX Reviewed with Exceptions 2023-06-16 17:13:52.000000 Compliance Federal Compliance Compliance Open   2 28617059 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Compliance Federal Compliance Compliance Open   3 24757659 Alimony Child Support Maintenance Income Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX (employer unknown)/Child Support) Evidence child support has been received for 12 consecutive months was not provided.          
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Compliance Federal Compliance Compliance Open   3 24757660 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.            
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Compliance State Compliance Compliance Open   2 24757661 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. The file was missing evidence the disclosure was provided to borrower.          
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Compliance Federal Compliance Compliance Open   2 24757662 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2016) Evidence of earlier borrower receipt was not found in file.         No Defined Cure
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 24757664 Guideline Requirement: Combined High loan to value discrepancy. Calculated high loan to value percentage of 99.61538% exceeds Guideline high loan to value percentage of 95.00000% Guidelines for manually underwritten loans reflect a max LTV/CLTV/HCLTV of 95%.          
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 24757665 Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 95.76923% exceeds Guideline loan to value percentage of 95.00000%. Guidelines for manually underwritten loans reflect a max LTV/CLTV/HCLTV of 95%.          
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24757666 Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of 99.61538% exceeds Guideline combined loan to value percentage of 95.00000%. Guidelines for manually underwritten loans reflect a max LTV/CLTV/HCLTV of 95%.          
275064233 XXX XXX XXX XXX Purchase Primary 9/XX/2016 SC $XXX Loan Review Complete 2021-06-03 17:11:18.000000 Credit Credit Calculation / Analysis Credit Open   3 24757667 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 649 is less than Guideline representative FICO score of 660. Guidelines for manually underwritten loans require minimum credit score of 660 for loans with a LTV >75% with 6 months reserves.          
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Asset Asset Calculation / Analysis Credit Open   3 24757868 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.            
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Insurance Insurance Analysis Credit Open   2 24757869 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   HOI policy provide reflects incorrect mortgagee clause.  Lender to provide updated policy reflecting "Lender its successors and assigns"          
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Guideline Guideline Issue Credit Open   3 24757870 Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: 08/XX/2018            
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Guideline Guideline Issue Credit Open   3 24757871 The Effective Date of the appraisal is not after the FHA Case Number Assignment date, as required by FHA. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2018 Appraisal Effective Date: 08/XX/2018; Case Number Assignment Date: 05/XX/2019            
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Guideline Guideline Issue Credit Open   3 24757874 FHA requires that 1040 be signed by borrower(s). Borrower: XXX // Document: 1040 / Tax Year: 2019            
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Guideline Guideline Issue Credit Open   3 24757875 Max LTV exceeded for FICO score less than 580, per FHA guideline requirement. LTV: 78.04305%; FICO: 579            
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Guideline Guideline Issue Credit Open   3 24757876 FHA Streamline - Missing copy of the Note on the Prior Loan             Provide missing documentation
275064241 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2019 WA $XXX Loan Review Complete 2021-07-02 14:08:30.000000 Compliance Federal Compliance Compliance Open   2 24757879 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 05/12/2018 1 24757995 Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.       (2018/XX/12): Received CDA within 10% tolerance Provide missing documentation
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Compliance Federal Compliance Compliance Cleared 04/24/2018 1 24757999 TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement       (2018/XX/24): Evidence of borrower's consent to receive documents electronically has been received. No Defined Cure
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Compliance Federal Compliance Compliance Cleared 04/24/2018 1 24758000 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2018 did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2018) Disclosed $XXX, Calculated $XXX.       (2018/XX/24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists. Letter of Explanation & Corrected Closing Disclosure
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Compliance Federal Compliance Compliance Cured 04/24/2018 1 24758001 TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/03/XX/2018) The seller CD is showing the closing costs of $XXX; whereas the borrower CD is showing the seller closing costs of $XXX.       (2018/XX/24): Post Close CD disclosing all seller paid fees, letter of explanation to the borrower and evidence of delivery have been provided. Letter of Explanation & Corrected Closing Disclosure
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Compliance Federal Compliance Compliance Cleared 04/24/2018 1 24758002 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77163) Cost to cure $XXX due Borrower.  Fee was not disclosed on initial LE or by valid change in circumstance.       (2018/XX/24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064252 XXX XXX XXX XXX Purchase Primary 3/XX/2018 MD $XXX Loan Review Complete 2018-04-16 17:08:24.000000 Compliance Federal Compliance Compliance Cleared 04/24/2018 1 24758003 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77208) Cost to cure $XXX due Borrower.  Fee was not disclosed on initial LE or by valid change in circumstance.       (2018/XX/24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 04/25/2018 1 24758047 Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.       (2018/XX/25): Received CDA within 10% tolerance Provide missing documentation
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Compliance Federal Compliance Compliance Cleared 04/05/2018 1 24758050 TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .       (2018/XX/05): Received No Defined Cure
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Waived 03/27/2018 2 24758051 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.57345% exceeds Guideline total debt ratio of 45.00000%. 45.57% > 45% Platinum program.  Lender's 45.64% > 45%.  Exception not acknowledged by Lender Stable employment history, LTV, reserves.     (2018/XX/27): Rec'd exception for DTI > maximum allowed.  
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Compliance Federal Compliance Compliance Cleared 03/27/2018 1 24758052 Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum       (2018/XX/27): Rec'd DTI exception. Lender to provide updated ATR/QM status
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Compliance Federal Compliance Compliance Cleared 03/27/2018 1 24758053 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum       (2018/XX/27): Rec'd DTI exception.  
275064251 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2018 CT $XXX Loan Review Complete 2018-03-23 12:33:44.000000 Compliance Federal Compliance Compliance Cleared 03/27/2018 1 24758054 TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .       (2018/XX/27): Rec'd e-consent No Defined Cure
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Application / Processing Credit Open   1 24758197 Missing Document: Missing Final 1003             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Application / Processing Compliance Open   1 24758198 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit Credit Documentation Credit Open   3 24758199 Missing Document: Credit Report not provided             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Application / Processing Credit Open   1 24758200 Missing Document: Flood Certificate not provided             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Loan File Credit Open   3 24758201 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758202 No Income Provided Qualified Mortgage (Dodd-Frank 2014):  No income was provided to demonstrate compliance with Appendix Q requirements.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758203 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758204 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.63381% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 3.85% + 1.5%, or 5.35000%.  Non-Compliant Higher Priced Mortgage Loan.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758205 TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758206 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. Evidence of appraisal receipt missing.          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758207 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. Appraisal missing.          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758208 Appraisal Flipped Property Missing Information Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. UTD date of prior sale.         Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758209 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758210 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758211 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Fail.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758212 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758213 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/8594402)            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758214 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758215 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758216 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758217 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758218 (Fed HPML Disclosure) Federal Higher-Priced Mortgage Loan (Right to Receive Copy of Appraisal) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing 1003          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758219 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing Assets          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758220 General Ability To Repay Provision Income and Assets - No Income Provided Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. Missing Assets          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758221 General Ability To Repay Provision Investor Guidelines Do Not Address 8 ATR Factors Ability to Repay (Dodd-Frank 2014): Guidelines provided do not address all 8 factors of ATR. Missing ATR docs          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758223 QM DTI Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. Missing Income docs, Asset docs, CBR, and application          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758224 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.30444% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .30444%). Missing Income docs, Asset docs, CBR, and application         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758225 RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing Income docs, Asset docs, CBR, and application          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758226 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing Income docs, Asset docs, CBR, and application          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758227 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing Income docs, Asset docs, CBR, and application          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit Credit Calculation / Analysis Credit Open   3 24758228 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of  is less than Guideline representative FICO score of 680. Credit report missing.          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Asset Asset Documentation Credit Open   3 24758229 Asset documentation requirements not met.   Missing income, assets, CBR, and 1003  docs          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24758230 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of  exceeds Guideline total debt ratio of 43.00000%. Missing income, assets, CBR, and 1003  docs          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Income / Employment Income Documentation Credit Open   3 24758231 Income documentation requirements not met.   Missing income, assets, CBR, and 1003  docs          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Application / Processing Credit Open   3 24758232 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
Disaster End Date:  10/XX/2017		            
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Loan Package Documentation Application / Processing Credit Open   3 24758233 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Income / Employment Income Documentation Credit Open   3 24758234 Income Docs Missing: Borrower: XXX 4506-T (2018), 4506-T (2019), 4506-T (2020) 4506-T missing         Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit Credit Documentation Credit Open   3 24758235 Purchase contract date not provided.              
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24758236 AUS/Guideline Findings: All conditions were not met   Missing income, and assets information          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Credit Credit Documentation Credit Open   3 24758237 The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.              
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   2 24758238 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758239 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Missing income and assets information          
275064250 XXX XXX XXX XXX Purchase Primary 5/XX/2015 FL $XXX Loan Review Complete 2021-07-29 18:35:40.000000 Compliance Federal Compliance Compliance Open   3 24758240 General Ability To Repay Provision Income and Assets - Assets Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Earnest Money Deposit/Earnest Money Deposit) Income documentation not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Application / Processing Credit Open   1 24758145 Missing Document: Missing Final 1003             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Application / Processing Compliance Open   1 24758146 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Credit Credit Documentation Credit Open   3 24758147 Missing Document: Credit Report not provided             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Application / Processing Credit Open   1 24758148 Missing Document: Flood Certificate not provided             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Loan File Credit Open   3 24758150 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Application / Processing Credit Open   3 24758151 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Loan Package Documentation Application / Processing Credit Open   3 24758153 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 09/XX/2009
Disaster End Date:  10/XX/2009		            
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 24758154 Alternate source used for application date   1003's are all missing from the file, used initial GFE as the alternate source for application date.          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Asset Asset Calculation / Analysis Credit Open   3 24758156 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Asset documentation not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Income / Employment Income Documentation Credit Open   3 24758157 Income Docs Missing: Borrower: XXX 4506-T (2013) 4506-T not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Income / Employment Income Documentation Credit Open   2 24758158 Employment Error: Employment years in field not provided. Borrower: XXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: <empty> Missing critical loan documents to verify.          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Income / Employment Income Documentation Credit Open   2 24758159 Employment Error: Employment start date not provided. Borrower: XXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: <empty> Missing critical loan documents to verify.          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24758160 AUS/Guideline Findings: All conditions were not met   Missing critical loan documents to verify.          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758161 Income Method of Calculation Unable to determine compliance with income requirements due to missing information. (XXX XXX/Schedule C) P&L and Balance sheet not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758162 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) P&L and Balance sheet not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758163 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/8594334) Dates of employment not provided for sole proprietorship          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758164 Self Employed - Implicit Adherence Qualified Mortgage (Dodd-Frank 2014): Self Employed borrower's loan file contained tax returns that are not signed/dated, but the loan file contains the tax transcripts to evidence the tax returns were signed/dated at time of submission to the IRS. Tax returns were not signed and dated by the borrower          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758165 Self Employed Financial Strength Unable to determine compliance with Self Employed income requirements due to missing information. (XXX XXX/Schedule C) P&L and Balance sheet not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Miscellaneous Compliance Compliance Open   3 24758166 Self Employed Years on Job Unable to determine compliance with Self Employment income history requirements due to missing information. (XXX XXX/Schedule C) Missing income documentation P&L, Balance sheet, business license and 3rd party verification.          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758167 Self Employed YTD Unable to determine compliance with Self Employed income requirements due to missing information. (XXX XXX/Schedule C) Missing income documentation P&L, Balance sheet, business license and 3rd party verification          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758168 Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) Missing income documentation P&L, Balance sheet, business license and 3rd party verification          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758169 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/08/XX/2014) Appraisal not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758170 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. Disclosure not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758171 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.95469% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.16% + 2.5%, or 6.66000%.  Non-Compliant Higher Priced Mortgage Loan.            
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758172 (Fed HPML Disclosure) Federal Higher-Priced Mortgage Loan (Appraisal Disclosure Not Provided) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide Appraisal Disclosure to consumer. Disclosure not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758173 TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Missing documentation          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758174 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. Appraisal not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758175 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock date not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758176 Appraisal Flipped Property Missing Information Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. Sales contract not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758177 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. Flood zone cert not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758178 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Fail. Missing documentation          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758179 Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. Loan originator not NMLS licensed at time of application          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758180 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Unable to determine DTI due to missing documentation         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758181 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Credit report not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758182 General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership) All income documentation not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758183 General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXX XXX/Schedule C) 3rd party verification not provided for employment          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758184 General Ability To Repay Provision Income and Assets - Assets Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Earnest Money/Earnest Money Deposit) Assets not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   3 24758186 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/8594334) Credit report not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758187 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided. Settlement Service Provider Disclosure not provided         Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758188 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Not provided          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Disclosure not provided within 3 business days of application          
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758190 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Disclosure not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758191 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. Disclosure not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758192 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. Disclosure not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758193 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Disclosure not provided         Provide missing documentation
275064249 XXX XXX XXX XXX Purchase Primary 8/XX/2014 GA $XXX Loan Review Complete 2021-07-28 18:17:10.000000 Compliance Federal Compliance Compliance Open   2 24758194 TILA - Final TIL Missing Missing Final TIL. Disclosure not provided         Provide missing documentation
275064254 XXX XXX XXX XXX Refinance Cash-out - Other Investment 10/XX/2018 LA $XXX Loan Review Complete 2021-10-11 15:02:00.000000 Income / Employment Income Documentation Credit Open   3 24758260 REO Documents are missing. Address: XXX, LA, Address: XXX, LA, Address: XXX, LA Insurance Verification
Insurance Verification		           Provide missing documentation
275064254 XXX XXX XXX XXX Refinance Cash-out - Other Investment 10/XX/2018 LA $XXX Loan Review Complete 2021-10-11 15:02:00.000000 Income / Employment Income Documentation Credit Open   3 24758261 REO Documents are missing. Address: XXX, LA Insurance Verification           Provide missing documentation
275064255 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 11/XX/2018 NY $XXX Loan Review Complete 2021-10-12 15:41:46.000000 Compliance Federal Compliance Compliance Open   2 24758297 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2018) Verification appraisal was delivered to borrower was not provided.          
275064255 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 11/XX/2018 NY $XXX Loan Review Complete 2021-10-12 15:41:46.000000 Income / Employment Income Documentation Credit Open   3 24758298 REO Documents are missing. Address: XXX, NY Statement Mortgage statement for REO located at XXX to verify payment and if property has escrows.         Provide missing documentation
275064256 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2018 LA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Compliance Federal Compliance Compliance Cured 10/11/2021 1 24758304 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       (2021/XX/11): Sufficient Cure Provided At Closing Final CD evidences Cure
275064256 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2018 LA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Compliance Federal Compliance Compliance Waived 10/12/2021 2 24758305 Self Employed - Minor Negative Income Documentation Qualified Mortgage (Dodd-Frank 2014): Self Employed borrower with a minor loss included in the income qualification did not provide the year to date P&L and/or Balance Sheet. Balance sheet and P&L not provided.          
275064256 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2018 LA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24758306 REO Documents are missing. Address: XXX, LA Statement Mortgage statement for REO located at XXX not provided.         Provide missing documentation
275064257 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2019 NY $XXX Loan Review Complete 2021-10-14 14:54:00.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 24758307 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 57.86282% exceeds AUS total debt ratio of 34.47000%. Income identified only as "Other" in the amount of $XXX requires documentation supporting receipt and source of income prior to inclusion as income.          
275064257 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2019 NY $XXX Loan Review Complete 2021-10-14 14:54:00.000000 Income / Employment Income Documentation Credit Open   3 24758308 REO Documents are missing. Address: XXX, NY Other The final CD from the refinance of this property to determine PITIA was missing from the file.         Provide missing documentation
275064257 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2019 NY $XXX Loan Review Complete 2021-10-14 14:54:00.000000 Income / Employment Income Documentation Credit Open   3 24758309 REO Documents are missing. Address: XXX, NY Statement The file was missing evidence of PITIA for the primary residence. If escrowed, please provide the mortgage statement. If not, full property expenses are required to be verified.         Provide missing documentation
275064266 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2019 NY $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Income / Employment Income Documentation Credit Open   3 24758310 Income Docs Missing: Borrower: XXX Balance Sheet, P&L Statement Additional documentation required for SCorp income: missing balance sheet and YTD P&L.         Provide missing documentation
275064266 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2019 NY $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 24758311 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 53.60589% exceeds AUS total debt ratio of 39.78000%. Excessive DTI : unable to properly verify REO costs due to missing documents along with credit debts.          
275064223 XXX XXX XXX XXX Purchase Primary 3/XX/2008 NJ $XXX Loan Review Complete 2019-07-18 12:08:55.000000 Compliance Federal Compliance Compliance Open   2 24766615 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2007.           Provide missing documentation
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Compliance Federal Compliance Compliance Open   2 24766651 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Compliance Federal Compliance Compliance Open   2 24766652 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Loan Package Documentation Government Documentation Credit Open   3 24766653 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Loan Package Documentation Government Documentation Credit Open   3 24766654 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Compliance Miscellaneous Compliance Compliance Open   2 24766655 (Doc Error) Initial GFE not provided              
275064228 XXX XXX XXX XXX Purchase Primary 7/XX/2007 DE $XXX Loan Review Complete 2021-04-02 17:52:43.000000 Disclosure Missing Document Credit Open   3 24766656 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064229 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2007 NC $XXX Loan Review Complete 2021-06-03 15:28:12.000000 Compliance Federal Compliance Compliance Open   2 24766659 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064229 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2007 NC $XXX Loan Review Complete 2021-06-03 15:28:12.000000 Compliance Federal Compliance Compliance Open   2 24766660 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064230 XXX XXX XXX XXX Purchase Primary 5/XX/2010 VA $XXX Loan Review Complete 2021-06-03 12:24:01.000000 Insurance Insurance Documentation Credit Open   1 24766766 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064230 XXX XXX XXX XXX Purchase Primary 5/XX/2010 VA $XXX Loan Review Complete 2021-06-03 12:24:01.000000 Compliance Federal Compliance Compliance Open   2 24766767 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064230 XXX XXX XXX XXX Purchase Primary 5/XX/2010 VA $XXX Loan Review Complete 2021-06-03 12:24:01.000000 Compliance Federal Compliance Compliance Open   2 24766768 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064232 XXX XXX XXX XXX Purchase Primary 4/XX/2012 SC $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766829 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275064232 XXX XXX XXX XXX Purchase Primary 4/XX/2012 SC $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766830 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064232 XXX XXX XXX XXX Purchase Primary 4/XX/2012 SC $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766831 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064232 XXX XXX XXX XXX Purchase Primary 4/XX/2012 SC $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance State Compliance Compliance Open   2 24766832 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064232 XXX XXX XXX XXX Purchase Primary 4/XX/2012 SC $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766833 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064234 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2003 NC $XXX Loan Review Complete 2021-05-26 12:16:38.000000 Compliance Federal Compliance Compliance Open   2 24766868 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home).            
275064234 XXX XXX XXX XXX Refinance Rate/Term Second Home 12/XX/2003 NC $XXX Loan Review Complete 2021-05-26 12:16:38.000000 Compliance Federal Compliance Compliance Open   2 24766869 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2013 LA $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Miscellaneous Compliance Compliance Open   2 24766882 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275064235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2013 LA $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766883 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2013 LA $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766884 RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
275064235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2013 LA $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766885 RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
275064235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2013 LA $XXX Loan Review Complete 2021-06-03 11:42:10.000000 Compliance Federal Compliance Compliance Open   2 24766886 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064236 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24766985 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064237 XXX XXX XXX XXX Purchase Primary 3/XX/2010 NC $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767009 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064237 XXX XXX XXX XXX Purchase Primary 3/XX/2010 NC $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767010 RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
275064237 XXX XXX XXX XXX Purchase Primary 3/XX/2010 NC $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767011 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064237 XXX XXX XXX XXX Purchase Primary 3/XX/2010 NC $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767012 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064237 XXX XXX XXX XXX Purchase Primary 3/XX/2010 NC $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767013 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064238 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MD $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767020 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275064238 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MD $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767021 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064239 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 GA $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767038 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275064239 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 GA $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767039 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064239 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 GA $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767040 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064239 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 GA $XXX Loan Review Complete 2021-06-03 09:45:22.000000 Compliance Federal Compliance Compliance Open   2 24767041 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064240 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 2021-06-08 09:11:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 24767056 (Doc Error) Initial GFE not provided              
275064240 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 2021-06-08 09:11:28.000000 Compliance Federal Compliance Compliance Open   2 24767057 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064240 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 2021-06-08 09:11:28.000000 Compliance Federal Compliance Compliance Open   2 24767058 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064240 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 2021-06-08 09:11:28.000000 Compliance Federal Compliance Compliance Open   2 24767059 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064248 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 2019-07-24 13:45:21.000000 Compliance State Compliance Compliance Open   2 24767187 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum late charge per state of NY.          
275064248 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 2019-07-24 13:45:21.000000 Compliance Federal Compliance Compliance Open   2 24767188 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275064248 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 2019-07-24 13:45:21.000000 Compliance Federal Compliance Compliance Open   2 24767189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064245 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CT $XXX Loan Review Complete 2019-12-06 06:53:31.000000 Compliance Federal Compliance Compliance Open   1 24767250 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275064242 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-01-10 16:08:49.000000 Compliance Federal Compliance Compliance Open   2 24767303 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064242 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NY $XXX Loan Review Complete 2020-01-10 16:08:49.000000 Compliance Federal Compliance Compliance Open   2 24767304 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064247 XXX XXX XXX XXX Purchase Primary 6/XX/2003 PA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Loan Package Documentation Application / Processing Credit Open   1 24767314 Missing Document: Missing Final 1003             Provide missing documentation
275064247 XXX XXX XXX XXX Purchase Primary 6/XX/2003 PA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 24767315 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2003.           Provide missing documentation
275064247 XXX XXX XXX XXX Purchase Primary 6/XX/2003 PA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 24767316 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064244 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 2020-05-01 15:05:15.000000 Compliance Federal Compliance Compliance Open   2 24767385 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for underdisclosure, itemization does not break down the fees included in the total prepaid finance charge         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064246 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NV $XXX Loan Review Complete 2018-11-05 14:48:29.000000 Compliance Federal Compliance Compliance Open   2 24767427 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275064246 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NV $XXX Loan Review Complete 2018-11-05 14:48:29.000000 Compliance Federal Compliance Compliance Open   2 24767428 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Loan Package Documentation Application / Processing Credit Open   1 24767479 Missing Document: Missing Final 1003             Provide missing documentation
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Loan Package Documentation Closing / Title Credit Open   2 24767480 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Homestead Exemption Waiver            
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767481 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767482 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   3 24767483 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767484 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767485 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767486 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization of amount financed doesn't include a breakdown of finance charges.  Unable to determine cause of underdisclosure.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064243 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 2021-06-25 15:00:43.000000 Compliance Federal Compliance Compliance Open   2 24767487 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Loan Package Documentation Application / Processing Credit Open   1 24767672 Missing Document: Missing Final 1003             Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Miscellaneous Compliance Compliance Open   2 24767673 (Doc Error) Initial GFE not provided              
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24767674 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Loan Package Documentation Application / Processing Credit Open   1 24767675 Missing Document: Flood Certificate not provided             Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767676 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767677 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   3 24767678 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767679 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance State Compliance Compliance Open   2 24767680 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance State Compliance Compliance Open   2 24767681 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance State Compliance Compliance Open   2 24767682 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767683 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767684 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767685 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064253 XXX XXX XXX XXX UTD UTD Primary 6/XX/2006 MI $XXX Loan Review Complete 2021-06-07 12:12:52.000000 Compliance Federal Compliance Compliance Open   2 24767686 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064260 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 WI $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Loan Package Documentation Government Documentation Credit Open   3 24767758 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064260 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 WI $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767759 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064260 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 WI $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767760 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064261 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Cleared 11/03/2021 1 24767800 (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) Truth in Lending Act (HOEPA): APR Threshold is exceeded by .27666%. APR of 13.20666% exceeds a threshold of 12.93000% based on the US Treasury for comparable maturities of 4.93000% plus jurisdiction allowable margin of 8.00000%.  Non-Compliant High Cost Loan.         (2021/XX/03): Received initial1003 with application date.  
275064261 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Cleared 11/03/2021 1 24767801 High Cost Lookback Failures Due to missing evidence of initial application date.  An application date of 04/XX/2006 was used for Compliance testing.  The loan would result in a High Cost failure due rate test failure on the following application dates 04/XX/2006, 03/XX/2006, 02/XX/2006, 01/XX/2006.         (2021/XX/03): Received initial1003 with application date.  
275064261 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Cleared 11/03/2021 1 24767802 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 3 months prior to consummation. A lookback was performed to determine this application date.         (2021/XX/03): Received initial1003 with application date. Provide missing documentation
275064261 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Cleared 11/03/2021 1 24767803 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.         (2021/XX/03): Received initial1003 with application date.  
275064262 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1998 NY $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Loan Package Documentation Application / Processing Credit Open   1 24767845 Missing Document: Missing Final 1003             Provide missing documentation
275064262 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1998 NY $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Loan Package Documentation Closing / Title Credit Open   2 24767846 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064262 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1998 NY $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767847 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064262 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1998 NY $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767848 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Fees are under disclosed $XXX and fees match the HUD.  Unable to verify the reason for the under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064263 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VT $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Loan Package Documentation Application / Processing Credit Open   1 24767880 Missing Document: Missing Final 1003             Provide missing documentation
275064263 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VT $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Compliance Federal Compliance Compliance Open   2 24767881 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064267 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 TN $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Loan Package Documentation Application / Processing Credit Open   1 24767959 Missing Document: Missing Final 1003             Provide missing documentation
275064267 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 TN $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767960 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064267 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 TN $XXX Loan Review Complete 2021-10-11 16:26:46.000000 Compliance Federal Compliance Compliance Open   2 24767961 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Loan Package Documentation Application / Processing Credit Open   1 24767962 Missing Document: Missing Final 1003             Provide missing documentation
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Loan Package Documentation Closing / Title Credit Open   2 24767963 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance Federal Compliance Compliance Open   2 24767964 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance Federal Compliance Compliance Open   2 24767965 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance Federal Compliance Compliance Open   2 24767966 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance Federal Compliance Compliance Open   2 24767967 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance State Compliance Compliance Open   3 24767968 (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) North Carolina Rate Spread Home Loan:  Borrower’s ability to repay not verified with reliable documentation.           See any available cure under the North Carolina Rate Spread Home Loan threshold exception.
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance State Compliance Compliance Open   3 24767969 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.09460% or Final Disclosure APR of 9.11000% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.67000% + 1.75%, or 7.42000%.  Non-Compliant Rate Spread Home Loan.           Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread.  

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)   Within 120 days of discovery, provide:
(1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant;  (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.
275064265 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 2021-10-12 12:47:01.000000 Compliance Federal Compliance Compliance Open   2 24767970 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064269 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2001 NY $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Loan Package Documentation Closing / Title Credit Open   2 24768053 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064269 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2001 NY $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Open   2 24768054 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2001, prior to three (3) business days from transaction date of 08/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064269 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2001 NY $XXX Loan Review Complete 2021-10-11 18:45:01.000000 Compliance Federal Compliance Compliance Open   2 24768055 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064270 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 NY $XXX Loan Review Complete 2021-10-13 10:40:00.000000 Loan Package Documentation Government Documentation Credit Open   3 24768155 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064270 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 NY $XXX Loan Review Complete 2021-10-13 10:40:00.000000 Compliance Federal Compliance Compliance Open   2 24768156 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064270 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 NY $XXX Loan Review Complete 2021-10-13 10:40:00.000000 Compliance Federal Compliance Compliance Open   2 24768157 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064270 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 NY $XXX Loan Review Complete 2021-10-13 10:40:00.000000 Compliance Federal Compliance Compliance Open   2 24768158 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064270 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 NY $XXX Loan Review Complete 2021-10-13 10:40:00.000000 Compliance Federal Compliance Compliance Open   2 24768159 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064268 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 2016-07-31 16:11:21.000000 Loan Package Documentation Application / Processing Credit Open   1 24768201 Missing Document: Missing Final 1003             Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance Federal Compliance Compliance Open   2 24768227 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2008 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Loan Package Documentation Closing / Title Compliance Open   3 24768228 Missing Final HUD-1 Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance Federal Compliance Compliance Open   2 24768229 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768230 (TX50(a)(6)) Texas Cash-out Loan  (Property is designated for agricultural use (other than primarily for production of milk)) Unable to test agricultural use due to missing information.         (2017/XX/15): Bayview provided copy of letter sent to borrower acknowledging that their loan is secured only by the portion of their property that as of date of closing, was not designated for agricultural use.  Outside counsel advised this was sufficient to cure the agricultural use exception on the loan. Confirm Agriculture use of the Property.  This is not curable if the Agricultural use is actual, can be downgraded based on a letter to the consumer waiving any security interest in the agricultural aspect of the subject property.  If the Agricultural use is unknown, can be cured with the letter to the consumer.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768231 (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan Violation.  Borrower was not provided copy of Application 1 day prior to closing.         (2017/XX/15): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768232 (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan Violation.   No evidence that borrower(s) received copies of all documents signed at time of closing.         (2017/XX/15): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception. Either Deliver the required documents to the borrower or refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768233 (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) Unable to determine if loan was closed an authorized location due to missing information.         (2017/XX/15): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Open   2 24768234 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768235 (TX50(a)(6)) Texas Cash-out Loan  (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.         (2017/XX/15): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768236 (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.         (2017/XX/15): Bayview provided copy of letter sent to borrower along with AFMV signed by lender for borrower to execute and return.  Rather than wait for return, Bayview also elected to provide borrower with a $XXX credit to be applied to the principal on their loan and offer to refinance their loan.  AMC confirmed the $XXX was applied to the borrower’s account.  Outside counsel has advised this was sufficient to cure this exception. To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Cured 08/15/2017 2 24768237 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.         (2017/XX/15): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance Federal Compliance Compliance Open   2 24768238 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance Miscellaneous Compliance Compliance Open   2 24768239 (Doc Error) Initial GFE not provided              
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance Federal Compliance Compliance Open   2 24768240 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Loan Package Documentation Application / Processing Credit Open   1 24768241 Missing Document: Missing Final 1003             Provide missing documentation
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24768242 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 TX $XXX Loan Review Complete 2016-10-10 13:11:47.000000 Compliance State Compliance Compliance Open   2 24768243 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064285 XXX XXX XXX XXX Purchase Primary 12/XX/2012 MD $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811152 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064285 XXX XXX XXX XXX Purchase Primary 12/XX/2012 MD $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811153 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064285 XXX XXX XXX XXX Purchase Primary 12/XX/2012 MD $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811154 RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
275064285 XXX XXX XXX XXX Purchase Primary 12/XX/2012 MD $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811155 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064286 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 MN $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811174 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064286 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 MN $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811175 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064286 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 MN $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811176 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064286 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2001 MN $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24811177 (Doc Error) Initial GFE not provided              
275064290 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 AL $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811642 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose $XXX payoff statement fee or $XXX recording fee as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24811861 Missing Document: Missing Final 1003             Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24811862 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24811863 (Doc Error) Initial GFE not provided              
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24811864 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811865 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811866 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2012 used as disbursement date for compliance testing.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   3 24811867 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811868 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811869 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811870 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811871 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811872 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811873 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811874 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811875 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064292 XXX XXX XXX XXX UTD UTD UTD 10/XX/2012 NC $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24811876 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24812010 Missing Document: Missing Final 1003             Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24812011 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24812012 (Doc Error) Initial GFE not provided              
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24812013 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812014 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   3 24812015 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812016 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812017 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812018 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064294 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2001 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812019 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064295 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812072 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064295 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance State Compliance Compliance Open   2 24812073 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 2%.            
275064295 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance State Compliance Compliance Open   2 24812074 New York Prepayment Penalty New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 6.25000% contracts for a prepay term of 24 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064298 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812426 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064298 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812427 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064298 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812428 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812429 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812430 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812431 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24812432 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24812433 Missing Document: Missing Final 1003             Provide missing documentation
275064299 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Closing / Title Credit Open   2 24812434 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064288 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   1 24813099 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064288 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813100 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064288 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813101 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064288 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813102 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24813115 Missing Document: Missing Final 1003             Provide missing documentation
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24813116 (Doc Error) Initial GFE not provided              
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24813117 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813118 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813119 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813120 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance State Compliance Compliance Open   2 24813121 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.            
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813122 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CT $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813123 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064291 XXX XXX XXX XXX Purchase Primary 4/XX/2003 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24813395 (Doc Error) Initial GFE not provided              
275064291 XXX XXX XXX XXX Purchase Primary 4/XX/2003 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813396 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064291 XXX XXX XXX XXX Purchase Primary 4/XX/2003 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813397 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064293 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24813773 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064293 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance State Compliance Compliance Open   2 24813774 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064293 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 OH $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24813775 Missing Document: Missing Final 1003             Provide missing documentation
275064296 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24814137 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064297 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 TN $XXX Reviewed with Exceptions 2022-01-14 19:39:33.000000 Compliance Federal Compliance Compliance Open   2 24814263 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064051 XXX XXX XXX XXX Purchase Primary 1/XX/2007 GA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24819066 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064051 XXX XXX XXX XXX Purchase Primary 1/XX/2007 GA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819067 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064051 XXX XXX XXX XXX Purchase Primary 1/XX/2007 GA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819068 Missing Document: Missing Final 1003             Provide missing documentation
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Closing / Title Credit Open   3 24819047 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819048 Missing Document: Missing Final 1003             Provide missing documentation
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819049 (Doc Error) Initial GFE not provided              
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819050 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819051 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064174 XXX XXX XXX XXX Purchase Primary 9/XX/1988 NY $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819052 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064131 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819171 Missing Document: Missing Final 1003             Provide missing documentation
275064131 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 24819172 (Doc Error) TIL Error: Borrower signature not dated.              
275064131 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819173 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064131 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819174 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064173 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2006 WA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819188 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064173 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2006 WA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819189 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064173 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2006 WA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819190 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 3.24% per the approval, however the lowest index value available in the lookback period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064057 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IN $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819206 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064057 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IN $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819207 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a recording service fee of $XXX and courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819304 Missing Document: Missing Final 1003             Provide missing documentation
275064062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819305 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819306 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   3 24819307 Missing Valuation:   Appraisal not provided.         Provide missing documentation
275064062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819308 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 3.240% per the (Approval), however the lowest index value available in the lookback period is 3.460%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064130 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Closing / Title Credit Open   2 24819329 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064130 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819330 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064130 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819331 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064130 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819332 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064125 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 KS $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819388 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064125 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 KS $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819389 Missing Document: Missing Final 1003             Provide missing documentation
275064125 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 KS $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819390 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064125 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 KS $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819391 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064124 XXX XXX XXX XXX Refinance Cash-out - Other Investment 7/XX/2004 FL $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819395 Missing Document: Missing Final 1003             Provide missing documentation
275064124 XXX XXX XXX XXX Refinance Cash-out - Other Investment 7/XX/2004 FL $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819396 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064126 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 SC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Closing / Title Credit Open   3 24819444 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064126 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 SC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819445 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064126 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 SC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819446 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064126 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 SC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance State Compliance Compliance Open   2 24819447 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064126 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 SC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819448 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064122 XXX XXX XXX XXX Purchase Primary 10/XX/2005 TX $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819557 Missing Document: Missing Final 1003             Provide missing documentation
275064122 XXX XXX XXX XXX Purchase Primary 10/XX/2005 TX $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819558 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064122 XXX XXX XXX XXX Purchase Primary 10/XX/2005 TX $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819559 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Loan Package Documentation Application / Processing Credit Open   1 24819561 Missing Document: Missing Final 1003             Provide missing documentation
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819562 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819563 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance State Compliance Compliance Open   2 24819564 California Prepayment Penalty California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.            
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819565 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 24819566 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24819567 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064056 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819568 (Doc Error) Initial GFE not provided              
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24819663 Missing Document: Missing Final 1003             Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819664 (Doc Error) Initial GFE not provided              
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Federal Compliance Compliance Open   2 24819665 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Federal Compliance Compliance Open   3 24819666 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Federal Compliance Compliance Open   2 24819667 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance State Compliance Compliance Open   2 24819668 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state.            
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Federal Compliance Compliance Open   2 24819669 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Compliance Federal Compliance Compliance Open   2 24819670 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24819671 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064170 XXX XXX XXX XXX UTD UTD Primary 4/XX/2008 PA $XXX Loan Review Complete 2019-07-19 10:42:23.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24819672 Missing Document: Appraisal not provided             Provide missing documentation
275064098 XXX XXX XXX XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 2019-07-19 10:46:37.000000 Compliance Federal Compliance Compliance Open   2 24819715 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064098 XXX XXX XXX XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 2019-07-19 10:46:37.000000 Loan Package Documentation Application / Processing Credit Open   1 24819716 Missing Document: Missing Final 1003             Provide missing documentation
275064165 XXX XXX XXX XXX Purchase Primary 3/XX/2008 MI $XXX Loan Review Complete 2019-07-19 10:46:47.000000 Compliance Federal Compliance Compliance Open   2 24819717 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064165 XXX XXX XXX XXX Purchase Primary 3/XX/2008 MI $XXX Loan Review Complete 2019-07-19 10:46:47.000000 Loan Package Documentation Application / Processing Credit Open   1 24819718 Missing Document: Missing Final 1003             Provide missing documentation
275064165 XXX XXX XXX XXX Purchase Primary 3/XX/2008 MI $XXX Loan Review Complete 2019-07-19 10:46:47.000000 Compliance Federal Compliance Compliance Open   2 24819719 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2008.           Provide missing documentation
275064165 XXX XXX XXX XXX Purchase Primary 3/XX/2008 MI $XXX Loan Review Complete 2019-07-19 10:46:47.000000 Compliance Federal Compliance Compliance Open   2 24819720 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819684 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2012.           Provide missing documentation
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819685 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819686 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819687 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819688 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819689 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819690 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819691 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064168 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2012 VA $XXX Loan Review Complete 2019-07-19 10:41:51.000000 Compliance Federal Compliance Compliance Open   2 24819692 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064141 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 OH $XXX Loan Review Complete 2019-07-19 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 24819728 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2004.           Provide missing documentation
275064141 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 OH $XXX Loan Review Complete 2019-07-19 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 24819729 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064145 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 MN $XXX Loan Review Complete 2019-07-19 11:05:27.000000 Compliance Federal Compliance Compliance Open   2 24819784 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064145 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 MN $XXX Loan Review Complete 2019-07-19 11:05:27.000000 Compliance Federal Compliance Compliance Open   2 24819785 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275064155 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2019-07-19 11:17:07.000000 Loan Package Documentation Application / Processing Credit Open   1 24819826 Missing Document: Missing Final 1003             Provide missing documentation
275064155 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2019-07-19 11:17:07.000000 Insurance Insurance Documentation Credit Open   1 24819827 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064155 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2019-07-19 11:17:07.000000 Compliance Federal Compliance Compliance Open   2 24819828 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2007.           Provide missing documentation
275064155 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2019-07-19 11:17:07.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819829 (Doc Error) Initial GFE not provided              
275064155 XXX XXX XXX XXX Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 2019-07-19 11:17:07.000000 Credit Credit Documentation Credit Open   3 24819830 Missing Document: Credit Report not provided             Provide missing documentation
275064156 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:25.000000 Compliance Federal Compliance Compliance Open   3 24819841 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064156 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:25.000000 Compliance Federal Compliance Compliance Open   2 24819842 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275064156 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:25.000000 Compliance Federal Compliance Compliance Open   2 24819843 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064156 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:25.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819844 (Doc Error) Initial GFE not provided              
275064156 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:25.000000 Compliance Federal Compliance Compliance Open   2 24819845 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064159 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MI $XXX Loan Review Complete 2019-07-19 11:17:42.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819853 (Doc Error) Initial GFE not provided              
275064159 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MI $XXX Loan Review Complete 2019-07-19 11:17:42.000000 Compliance Federal Compliance Compliance Open   2 24819854 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275064159 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MI $XXX Loan Review Complete 2019-07-19 11:17:42.000000 Compliance Federal Compliance Compliance Open   2 24819855 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064160 XXX XXX XXX XXX Purchase Primary 7/XX/2007 TX $XXX Loan Review Complete 2019-07-19 11:18:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819858 (Doc Error) Initial GFE not provided              
275064160 XXX XXX XXX XXX Purchase Primary 7/XX/2007 TX $XXX Loan Review Complete 2019-07-19 11:18:28.000000 Loan Package Documentation Application / Processing Credit Open   2 24819859 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2007            
275064161 XXX XXX XXX XXX Purchase Primary 8/XX/2007 GA $XXX Loan Review Complete 2019-07-19 11:19:10.000000 Compliance Federal Compliance Compliance Open   2 24819873 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under-disclosure is due to the incorrect payment streams disclosed on the final TIL.  The number of monthly MI premiums is not accurately disclosed.  The lender disclosed 180 payments of MI, Audit calculated 210 payments of MI.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064136 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-07-19 11:20:36.000000 Compliance Federal Compliance Compliance Open   2 24819888 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2003.           Provide missing documentation
275064080 XXX XXX XXX XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 2019-07-19 11:25:59.000000 Compliance Federal Compliance Compliance Open   2 24819911 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2005.           Provide missing documentation
275064080 XXX XXX XXX XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 2019-07-19 11:25:59.000000 Compliance Federal Compliance Compliance Open   2 24819912 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064080 XXX XXX XXX XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 2019-07-19 11:25:59.000000 Compliance Federal Compliance Compliance Open   2 24819913 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064080 XXX XXX XXX XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 2019-07-19 11:25:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 24819914 (Doc Error) Initial GFE not provided              
275064150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 2019-07-19 11:27:36.000000 Compliance Federal Compliance Compliance Open   2 24819927 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275064150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 2019-07-19 11:27:36.000000 Compliance Federal Compliance Compliance Open   2 24819928 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 2019-07-19 11:27:36.000000 Compliance Federal Compliance Compliance Open   2 24819929 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064158 XXX XXX XXX XXX Purchase Primary 8/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:30:56.000000 Compliance Federal Compliance Compliance Open   2 24819941 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064158 XXX XXX XXX XXX Purchase Primary 8/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:30:56.000000 Compliance State Compliance Compliance Open   2 24819942 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
275064158 XXX XXX XXX XXX Purchase Primary 8/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:30:56.000000 Compliance Federal Compliance Compliance Open   2 24819943 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender’s TIL reflecting MI being in force for 214 months, however based on the loan amount and appraised value the MI would be in force for 240 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064162 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:32:21.000000 Compliance Federal Compliance Compliance Open   2 24819960 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2007.           Provide missing documentation
275064162 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:32:21.000000 Compliance Federal Compliance Compliance Open   2 24819961 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064162 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:32:21.000000 Compliance State Compliance Compliance Open   2 24819962 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds maximum of 2% per NY          
275064162 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:32:21.000000 Compliance Federal Compliance Compliance Open   2 24819963 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an application fee of $XXX as prepaid finance
charge.		         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Loan Package Documentation Application / Processing Credit Open   1 24819991 Missing Document: Missing Final 1003             Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Credit Credit Documentation Credit Open   3 24819992 Missing Document: Credit Report not provided             Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819993 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819994 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2013 used as disbursement date for compliance testing.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   3 24819995 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819996 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2012.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819997 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819998 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24819999 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance State Compliance Compliance Open   2 24820000 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24820001 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24820002 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Federal Compliance Compliance Open   2 24820003 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24820004 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24820005 Missing Document: Appraisal not provided             Provide missing documentation
275064146 XXX XXX XXX XXX UTD UTD Primary 4/XX/2013 WA $XXX Loan Review Complete 2019-07-19 11:42:57.000000 Compliance Miscellaneous Compliance Compliance Open   2 24820006 (Doc Error) Initial GFE not provided              
275064070 XXX XXX XXX XXX Purchase Primary 8/XX/2002 NY $XXX Loan Review Complete 2019-07-19 11:47:24.000000 Credit Credit Documentation Credit Open   3 24820041 Missing Document: Credit Report not provided             Provide missing documentation
275064074 XXX XXX XXX XXX Purchase Primary 9/XX/2003 NJ $XXX Loan Review Complete 2019-07-19 11:51:24.000000 Compliance Federal Compliance Compliance Open   2 24820063 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064074 XXX XXX XXX XXX Purchase Primary 9/XX/2003 NJ $XXX Loan Review Complete 2019-07-19 11:51:24.000000 Insurance Insurance Documentation Credit Open   1 24820064 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064076 XXX XXX XXX XXX Purchase Primary 4/XX/2005 UT $XXX Loan Review Complete 2019-07-19 11:58:30.000000 Loan Package Documentation Application / Processing Credit Open   1 24820078 Missing Document: Missing Final 1003             Provide missing documentation
275064076 XXX XXX XXX XXX Purchase Primary 4/XX/2005 UT $XXX Loan Review Complete 2019-07-19 11:58:30.000000 Compliance Federal Compliance Compliance Open   2 24820079 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2005.           Provide missing documentation
275064076 XXX XXX XXX XXX Purchase Primary 4/XX/2005 UT $XXX Loan Review Complete 2019-07-19 11:58:30.000000 Compliance Federal Compliance Compliance Open   2 24820080 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064077 XXX XXX XXX XXX Purchase Primary 3/XX/2005 LA $XXX Loan Review Complete 2019-07-19 11:59:42.000000 Insurance Insurance Documentation Credit Open   1 24820100 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064077 XXX XXX XXX XXX Purchase Primary 3/XX/2005 LA $XXX Loan Review Complete 2019-07-19 11:59:42.000000 Compliance Federal Compliance Compliance Open   2 24820101 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2004.           Provide missing documentation
275064077 XXX XXX XXX XXX Purchase Primary 3/XX/2005 LA $XXX Loan Review Complete 2019-07-19 11:59:42.000000 Compliance Federal Compliance Compliance Open   2 24820102 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064077 XXX XXX XXX XXX Purchase Primary 3/XX/2005 LA $XXX Loan Review Complete 2019-07-19 11:59:42.000000 Compliance Federal Compliance Compliance Open   2 24820103 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064077 XXX XXX XXX XXX Purchase Primary 3/XX/2005 LA $XXX Loan Review Complete 2019-07-19 11:59:42.000000 Compliance Federal Compliance Compliance Open   2 24820104 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064086 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MA $XXX Loan Review Complete 2019-07-19 12:06:54.000000 Compliance Federal Compliance Compliance Open   2 24820109 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275064086 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MA $XXX Loan Review Complete 2019-07-19 12:06:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24820110 Missing Document: Missing Final 1003             Provide missing documentation
275064097 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 NJ $XXX Loan Review Complete 2019-07-19 12:15:11.000000 Compliance Federal Compliance Compliance Open   2 24820129 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064163 XXX XXX XXX XXX Purchase Primary 10/XX/2007 MO $XXX Loan Review Complete 2019-07-19 12:19:25.000000 Compliance Federal Compliance Compliance Open   2 24820139 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2007.           Provide missing documentation
275064163 XXX XXX XXX XXX Purchase Primary 10/XX/2007 MO $XXX Loan Review Complete 2019-07-19 12:19:25.000000 Compliance Federal Compliance Compliance Open   2 24820140 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064163 XXX XXX XXX XXX Purchase Primary 10/XX/2007 MO $XXX Loan Review Complete 2019-07-19 12:19:25.000000 Compliance Federal Compliance Compliance Open   2 24820141 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064181 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 2019-07-19 12:24:47.000000 Compliance Federal Compliance Compliance Open   2 24820177 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2008.           Provide missing documentation
275064181 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 2019-07-19 12:24:47.000000 Compliance Federal Compliance Compliance Open   2 24820178 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064181 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 2019-07-19 12:24:47.000000 Compliance Federal Compliance Compliance Open   2 24820179 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CA $XXX Loan Review Complete 2019-07-19 12:25:05.000000 Loan Package Documentation Application / Processing Credit Open   1 24820183 Missing Document: Missing Final 1003             Provide missing documentation
275064166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CA $XXX Loan Review Complete 2019-07-19 12:25:05.000000 Compliance Federal Compliance Compliance Open   2 24820184 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2007.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Loan Package Documentation Application / Processing Credit Open   1 24820214 Missing Document: Missing Final 1003             Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24820215 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24820216 Missing Document: Appraisal not provided             Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 24820217 (Doc Error) Initial GFE not provided              
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 24820218 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Insurance Insurance Documentation Credit Open   1 24820219 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Federal Compliance Compliance Open   2 24820220 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Federal Compliance Compliance Open   3 24820221 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Federal Compliance Compliance Open   2 24820222 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 02/XX/1999.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Federal Compliance Compliance Open   2 24820223 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Compliance Federal Compliance Compliance Open   2 24820224 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064054 XXX XXX XXX XXX UTD UTD UTD 8/XX/1999 MI $XXX Loan Review Complete 2019-07-19 12:29:16.000000 Credit Credit Documentation Credit Open   3 24820225 Missing Document: Credit Report not provided             Provide missing documentation
275064052 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 OH $XXX Loan Review Complete 2019-07-19 12:32:00.000000 Loan Package Documentation Application / Processing Credit Open   1 24820254 Missing Document: Missing Final 1003             Provide missing documentation
275064052 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 OH $XXX Loan Review Complete 2019-07-19 12:32:00.000000 Insurance Insurance Documentation Credit Open   1 24820255 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064052 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 OH $XXX Loan Review Complete 2019-07-19 12:32:00.000000 Compliance Federal Compliance Compliance Open   3 24820256 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064052 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2003 OH $XXX Loan Review Complete 2019-07-19 12:32:00.000000 Credit Credit Documentation Credit Open   3 24820257 Missing Document: Credit Report not provided             Provide missing documentation
275064144 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 2019-07-19 12:37:10.000000 Insurance Insurance Documentation Credit Open   1 24820273 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064144 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 2019-07-19 12:37:10.000000 Loan Package Documentation Application / Processing Credit Open   1 24820274 Missing Document: Missing Final 1003             Provide missing documentation
275064144 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 2019-07-19 12:37:10.000000 Compliance Federal Compliance Compliance Open   2 24820275 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275064144 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 2019-07-19 12:37:10.000000 Compliance Federal Compliance Compliance Open   2 24820276 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance Federal Compliance Compliance Open   2 24820307 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance Federal Compliance Compliance Open   2 24820308 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2006.           Provide missing documentation
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance Federal Compliance Compliance Open   2 24820309 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance Federal Compliance Compliance Open   2 24820310 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance State Compliance Compliance Open   2 24820311 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per  state (NY).          
275064148 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-07-19 12:42:11.000000 Compliance Federal Compliance Compliance Open   2 24820312 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064149 XXX XXX XXX XXX Purchase Primary 5/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:42:23.000000 Compliance Federal Compliance Compliance Open   2 24820313 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2006.           Provide missing documentation
275064149 XXX XXX XXX XXX Purchase Primary 5/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:42:23.000000 Compliance Federal Compliance Compliance Open   2 24820314 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064151 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TN $XXX Loan Review Complete 2019-07-19 12:45:19.000000 Loan Package Documentation Application / Processing Credit Open   1 24820317 Missing Document: Missing Final 1003             Provide missing documentation
275064153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:47:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 24820333 (Doc Error) Initial GFE not provided              
275064153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:47:48.000000 Compliance Federal Compliance Compliance Open   2 24820334 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2006.           Provide missing documentation
275064153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:47:48.000000 Compliance Federal Compliance Compliance Open   2 24820335 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:47:48.000000 Compliance Federal Compliance Compliance Open   2 24820336 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Loan Package Documentation Application / Processing Credit Open   1 24820617 Missing Document: Missing Final 1003             Provide missing documentation
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Loan Package Documentation Closing / Title Compliance Open   2 24820618 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Compliance Federal Compliance Compliance Open   2 24820619 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Compliance Federal Compliance Compliance Open   2 24820620 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Compliance Federal Compliance Compliance Open   2 24820621 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275064133 XXX XXX XXX XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Loan Package Documentation Closing / Title Compliance Open   2 24820622 (Doc Error) TIL Error: Borrower signature not dated.              
275064134 XXX XXX XXX XXX Purchase Primary 9/XX/2006 KY $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Loan Package Documentation Government Documentation Credit Open   3 24820641 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064134 XXX XXX XXX XXX Purchase Primary 9/XX/2006 KY $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Loan Package Documentation Government Documentation Credit Open   3 24820642 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064134 XXX XXX XXX XXX Purchase Primary 9/XX/2006 KY $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Loan Package Documentation Government Documentation Credit Open   3 24820643 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064134 XXX XXX XXX XXX Purchase Primary 9/XX/2006 KY $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Compliance Federal Compliance Compliance Open   2 24820644 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275064066 XXX XXX XXX XXX Purchase Primary 11/XX/2008 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Loan Package Documentation Government Documentation Credit Open   3 24820686 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   1 24820757 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   2 24820758 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2006.           Provide missing documentation
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   2 24820759 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   2 24820760 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   2 24820761 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064123 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 2019-05-22 16:31:28.000000 Compliance Federal Compliance Compliance Open   2 24820762 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 3.360% per the Underwriting Commitment, however the lowest index value available in the look back period is 3.560%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064120 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MS $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Loan Package Documentation Application / Processing Credit Open   1 24820864 Missing Document: Missing Final 1003             Provide missing documentation
275064120 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MS $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 24820865 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064120 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MS $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 24820866 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.41694% is in excess of the allowable maximum of  5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .41694%).            
275064120 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MS $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 24820867 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275064120 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MS $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 24820868 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275064180 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MD $XXX Loan Review Complete 2019-07-19 10:45:56.000000 Loan Package Documentation Application / Processing Credit Open   1 24821009 Missing Document: Missing Final 1003             Provide missing documentation
275064180 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MD $XXX Loan Review Complete 2019-07-19 10:45:56.000000 Compliance Federal Compliance Compliance Open   2 24821010 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2007.           Provide missing documentation
275064180 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MD $XXX Loan Review Complete 2019-07-19 10:45:56.000000 Compliance Federal Compliance Compliance Open   2 24821011 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064180 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MD $XXX Loan Review Complete 2019-07-19 10:45:56.000000 Compliance Federal Compliance Compliance Open   2 24821012 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064088 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2019-07-19 10:47:13.000000 Compliance Federal Compliance Compliance Open   2 24821040 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275064088 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2019-07-19 10:47:13.000000 Loan Package Documentation Application / Processing Credit Open   1 24821041 Missing Document: Missing Final 1003             Provide missing documentation
275064069 XXX XXX XXX XXX Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 2019-07-19 10:50:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24821100 Missing Document: Missing Final 1003             Provide missing documentation
275064096 XXX XXX XXX XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 2019-07-19 10:51:43.000000 Compliance Federal Compliance Compliance Open   2 24821140 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064096 XXX XXX XXX XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 2019-07-19 10:51:43.000000 Compliance Federal Compliance Compliance Open   2 24821141 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064142 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WV $XXX Loan Review Complete 2019-07-19 10:54:22.000000 Compliance Federal Compliance Compliance Open   2 24821166 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under-disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064139 XXX XXX XXX XXX Purchase Primary 12/XX/2004 IN $XXX Loan Review Complete 2019-07-19 11:02:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24821240 Missing Document: Missing Final 1003             Provide missing documentation
275064139 XXX XXX XXX XXX Purchase Primary 12/XX/2004 IN $XXX Loan Review Complete 2019-07-19 11:02:08.000000 Compliance Federal Compliance Compliance Open   2 24821241 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2004.           Provide missing documentation
275064115 XXX XXX XXX XXX Purchase Primary 4/XX/2005 NH $XXX Loan Review Complete 2019-07-19 11:02:52.000000 Insurance Insurance Documentation Credit Open   1 24821242 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064083 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 AZ $XXX Loan Review Complete 2019-07-19 11:06:17.000000 Compliance Federal Compliance Compliance Open   2 24821262 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064083 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 AZ $XXX Loan Review Complete 2019-07-19 11:06:17.000000 Compliance Federal Compliance Compliance Open   2 24821263 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2005.           Provide missing documentation
275064083 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 AZ $XXX Loan Review Complete 2019-07-19 11:06:17.000000 Compliance Federal Compliance Compliance Open   2 24821264 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064083 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 AZ $XXX Loan Review Complete 2019-07-19 11:06:17.000000 Compliance Federal Compliance Compliance Open   2 24821265 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064083 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 AZ $XXX Loan Review Complete 2019-07-19 11:06:17.000000 Credit Credit Documentation Credit Open   3 24821266 Missing Document: Credit Report not provided             Provide missing documentation
275064082 XXX XXX XXX XXX Purchase Primary 10/XX/2005 FL $XXX Loan Review Complete 2019-07-19 11:05:56.000000 Compliance Federal Compliance Compliance Open   2 24821267 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064117 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 2019-07-19 11:11:51.000000 Compliance Federal Compliance Compliance Open   1 24821312 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064117 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 2019-07-19 11:11:51.000000 Compliance Federal Compliance Compliance Open   2 24821313 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064117 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 2019-07-19 11:11:51.000000 Compliance State Compliance Compliance Open   2 24821314 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064095 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Loan Review Complete 2019-07-19 11:13:53.000000 Loan Package Documentation Application / Processing Credit Open   1 24821361 Missing Document: Missing Final 1003             Provide missing documentation
275064095 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TX $XXX Loan Review Complete 2019-07-19 11:13:53.000000 Compliance Federal Compliance Compliance Open   2 24821362 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275064154 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WI $XXX Loan Review Complete 2019-07-19 11:14:15.000000 Compliance Federal Compliance Compliance Open   2 24821365 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064154 XXX XXX XXX XXX Purchase Primary 3/XX/2007 WI $XXX Loan Review Complete 2019-07-19 11:14:15.000000 Compliance Federal Compliance Compliance Open   2 24821366 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275064100 XXX XXX XXX XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 2019-07-19 11:15:50.000000 Compliance Federal Compliance Compliance Open   2 24821378 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2007.           Provide missing documentation
275064100 XXX XXX XXX XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 2019-07-19 11:15:50.000000 Compliance Federal Compliance Compliance Open   2 24821379 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064100 XXX XXX XXX XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 2019-07-19 11:15:50.000000 Loan Package Documentation Application / Processing Credit Open   1 24821380 Missing Document: Missing Final 1003             Provide missing documentation
275064099 XXX XXX XXX XXX Purchase Primary 5/XX/2007 KY $XXX Loan Review Complete 2019-07-19 11:15:28.000000 Compliance Federal Compliance Compliance Open   2 24821384 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064099 XXX XXX XXX XXX Purchase Primary 5/XX/2007 KY $XXX Loan Review Complete 2019-07-19 11:15:28.000000 Compliance Federal Compliance Compliance Open   2 24821385 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Compliance Federal Compliance Compliance Open   3 24821410 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Compliance Federal Compliance Compliance Open   2 24821411 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Compliance Federal Compliance Compliance Open   2 24821412 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Compliance Federal Compliance Compliance Open   2 24821413 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Compliance Federal Compliance Compliance Open   2 24821414 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Loan Package Documentation Closing / Title Compliance Open   2 24821415 (Doc Error) TIL Error: Borrower signature not dated.              
275064112 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 2019-07-19 11:17:54.000000 Loan Package Documentation Closing / Title Compliance Open   2 24821416 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064101 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:59.000000 Compliance Federal Compliance Compliance Open   2 24821417 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275064101 XXX XXX XXX XXX Purchase Primary 6/XX/2007 CA $XXX Loan Review Complete 2019-07-19 11:17:59.000000 Loan Package Documentation Application / Processing Credit Open   1 24821418 Missing Document: Missing Final 1003             Provide missing documentation
275064176 XXX XXX XXX XXX Purchase Primary 3/XX/2003 KY $XXX Loan Review Complete 2019-07-19 11:20:29.000000 Compliance Federal Compliance Compliance Open   2 24821444 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2003.           Provide missing documentation
275064073 XXX XXX XXX XXX Purchase Primary 5/XX/2003 IL $XXX Loan Review Complete 2019-07-19 11:20:47.000000 Compliance Federal Compliance Compliance Open   2 24821445 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2003.           Provide missing documentation
275064073 XXX XXX XXX XXX Purchase Primary 5/XX/2003 IL $XXX Loan Review Complete 2019-07-19 11:20:47.000000 Loan Package Documentation Application / Processing Credit Open   1 24821446 Missing Document: Missing Final 1003             Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Loan Package Documentation Application / Processing Credit Open   1 24821454 Missing Document: Missing Final 1003             Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Property - Appraisal Appraisal Documentation Credit Cleared 03/14/2019 1 24821455 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2005         (2019/XX/19): Received Appraisal, clearing exception. Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821456 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821457 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2004.           Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821458 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821459 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821460 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064075 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 2019-07-19 11:24:18.000000 Compliance Federal Compliance Compliance Open   2 24821461 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The Lender's TIL reflects MI dropping off after 68 months, however, the audited TIL indicates MI should drop off after 69 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064105 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:33:51.000000 Compliance Federal Compliance Compliance Open   2 24821525 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064105 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-07-19 11:33:51.000000 Compliance Federal Compliance Compliance Open   2 24821526 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275064107 XXX XXX XXX XXX Purchase Primary 1/XX/2008 TX $XXX Loan Review Complete 2019-07-19 11:35:21.000000 Loan Package Documentation Application / Processing Credit Open   1 24821539 Missing Document: Missing Final 1003             Provide missing documentation
275064107 XXX XXX XXX XXX Purchase Primary 1/XX/2008 TX $XXX Loan Review Complete 2019-07-19 11:35:21.000000 Compliance Federal Compliance Compliance Open   2 24821540 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2007.           Provide missing documentation
275064114 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2009 AR $XXX Loan Review Complete 2019-07-19 11:40:08.000000 Loan Package Documentation Application / Processing Credit Open   1 24821598 Missing Document: Missing Final 1003             Provide missing documentation
275064114 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2009 AR $XXX Loan Review Complete 2019-07-19 11:40:08.000000 Compliance Federal Compliance Compliance Open   2 24821599 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2009.           Provide missing documentation
275064114 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2009 AR $XXX Loan Review Complete 2019-07-19 11:40:08.000000 Compliance Federal Compliance Compliance Open   2 24821600 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064114 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2009 AR $XXX Loan Review Complete 2019-07-19 11:40:08.000000 Compliance Federal Compliance Compliance Open   2 24821601 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064114 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2009 AR $XXX Loan Review Complete 2019-07-19 11:40:08.000000 Compliance Federal Compliance Compliance Open   2 24821602 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064119 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 OH $XXX Loan Review Complete 2019-07-19 11:44:25.000000 Compliance State Compliance Compliance Open   2 24821641 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275064119 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 OH $XXX Loan Review Complete 2019-07-19 11:44:25.000000 Compliance State Compliance Compliance Open   2 24821642 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275064119 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 OH $XXX Loan Review Complete 2019-07-19 11:44:25.000000 Compliance Federal Compliance Compliance Open   1 24821643 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 OH $XXX Loan Review Complete 2019-07-19 11:46:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24821659 Missing Document: Missing Final 1003             Provide missing documentation
275064135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 OH $XXX Loan Review Complete 2019-07-19 11:46:15.000000 Compliance Federal Compliance Compliance Open   2 24821660 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2001.           Provide missing documentation
275064135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 OH $XXX Loan Review Complete 2019-07-19 11:46:15.000000 Credit Credit Documentation Credit Open   3 24821661 Missing Document: Credit Report not provided             Provide missing documentation
275064072 XXX XXX XXX XXX Purchase Primary 5/XX/2003 TN $XXX Loan Review Complete 2019-07-19 11:49:54.000000 Compliance Federal Compliance Compliance Open   2 24821702 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064137 XXX XXX XXX XXX Purchase Primary 8/XX/2003 IA $XXX Loan Review Complete 2019-07-19 11:51:04.000000 Compliance Miscellaneous Compliance Compliance Open   2 24821704 (Doc Error) Initial GFE not provided              
275064140 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2019-07-19 11:56:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24821744 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064140 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2019-07-19 11:56:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24821745 (Doc Error) Initial GFE not provided              
275064140 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2019-07-19 11:56:58.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24821746 Missing Document: Appraisal not provided             Provide missing documentation
275064078 XXX XXX XXX XXX Purchase Primary 5/XX/2005 SC $XXX Loan Review Complete 2019-07-19 11:59:56.000000 Compliance State Compliance Compliance Open   2 24821786 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064079 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IN $XXX Loan Review Complete 2019-07-19 12:02:30.000000 Insurance Insurance Documentation Credit Open   1 24821791 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064079 XXX XXX XXX XXX Purchase Primary 8/XX/2005 IN $XXX Loan Review Complete 2019-07-19 12:02:30.000000 Compliance Federal Compliance Compliance Open   2 24821792 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2005.           Provide missing documentation
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24821808 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821809 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821810 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821811 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821812 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821813 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064081 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MD $XXX Loan Review Complete 2019-07-19 12:04:04.000000 Compliance Federal Compliance Compliance Open   2 24821814 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064084 XXX XXX XXX XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 2019-07-19 12:05:55.000000 Compliance Federal Compliance Compliance Open   2 24821815 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064177 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:09:32.000000 Compliance Federal Compliance Compliance Open   2 24821861 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064177 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:09:32.000000 Compliance Federal Compliance Compliance Open   2 24821862 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275064177 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:09:32.000000 Compliance Federal Compliance Compliance Open   2 24821863 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064178 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 2019-07-19 12:11:36.000000 Compliance Federal Compliance Compliance Open   2 24821864 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064178 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 2019-07-19 12:11:36.000000 Compliance Federal Compliance Compliance Open   2 24821865 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064091 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IN $XXX Loan Review Complete 2019-07-19 12:10:08.000000 Compliance Federal Compliance Compliance Open   2 24821881 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance Federal Compliance Compliance Open   2 24821919 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance Federal Compliance Compliance Open   2 24821920 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance State Compliance Compliance Open   2 24821921 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance State Compliance Compliance Open   2 24821922 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance State Compliance Compliance Open   2 24821923 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Compliance Federal Compliance Compliance Open   2 24821924 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the under disclosure missing the itemization of financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064102 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 2019-07-19 12:17:02.000000 Insurance Insurance Documentation Credit Open   1 24821925 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064164 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 2019-07-19 12:22:22.000000 Compliance Federal Compliance Compliance Open   2 24822001 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064110 XXX XXX XXX XXX Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 2019-07-19 12:25:32.000000 Loan Package Documentation Application / Processing Credit Open   1 24822028 Missing Document: Missing Final 1003             Provide missing documentation
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Compliance Federal Compliance Compliance Open   2 24822030 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2007.           Provide missing documentation
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Compliance Federal Compliance Compliance Open   2 24822031 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Compliance Federal Compliance Compliance Open   2 24822032 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24822033 (Doc Error) TIL Error: Borrower signature not dated.              
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24822034 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064109 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2019-07-19 12:25:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24822035 Missing Document: Missing Final 1003             Provide missing documentation
275064111 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2008 AZ $XXX Loan Review Complete 2019-07-19 12:25:37.000000 Loan Package Documentation Application / Processing Credit Open   1 24822038 Missing Document: Missing Final 1003             Provide missing documentation
275064111 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2008 AZ $XXX Loan Review Complete 2019-07-19 12:25:37.000000 Compliance Federal Compliance Compliance Open   2 24822039 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2008.           Provide missing documentation
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Loan Package Documentation Application / Processing Credit Open   1 24822075 Missing Document: Missing Final 1003             Provide missing documentation
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Compliance Federal Compliance Compliance Open   2 24822076 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2004.           Provide missing documentation
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Insurance Insurance Documentation Credit Open   1 24822077 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Compliance Federal Compliance Compliance Open   2 24822078 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Compliance Federal Compliance Compliance Open   2 24822079 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064169 XXX XXX XXX XXX Purchase Primary 2/XX/2005 LA $XXX Loan Review Complete 2019-07-19 12:27:42.000000 Compliance Federal Compliance Compliance Open   2 24822080 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 10.68300% is underdisclosed from calculated APR of 11.23363% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064116 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2019-07-19 12:28:03.000000 Credit Credit Documentation Credit Open   3 24822084 Missing Document: Credit Report not provided             Provide missing documentation
275064116 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2019-07-19 12:28:03.000000 Property - Appraisal Appraisal Documentation Credit Open   3 24822085 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 05/XX/2006           Provide missing documentation
275064068 XXX XXX XXX XXX Purchase Primary 6/XX/1998 VA $XXX Loan Review Complete 2019-07-19 12:28:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24822105 Missing Document: Missing Final 1003             Provide missing documentation
275064068 XXX XXX XXX XXX Purchase Primary 6/XX/1998 VA $XXX Loan Review Complete 2019-07-19 12:28:54.000000 Compliance Federal Compliance Compliance Open   2 24822106 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1998 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/1998.           Provide missing documentation
275064071 XXX XXX XXX XXX Purchase Investment 1/XX/2003 MA $XXX Loan Review Complete 2019-07-19 12:31:59.000000 Compliance Federal Compliance Compliance Open   2 24822158 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2002.           Provide missing documentation
275064147 XXX XXX XXX XXX Purchase Primary 2/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:39:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24822218 Missing Document: Missing Final 1003             Provide missing documentation
275064147 XXX XXX XXX XXX Purchase Primary 2/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:39:58.000000 Compliance Federal Compliance Compliance Open   2 24822219 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275064147 XXX XXX XXX XXX Purchase Primary 2/XX/2006 MD $XXX Loan Review Complete 2019-07-19 12:39:58.000000 Compliance Federal Compliance Compliance Open   2 24822220 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
275064089 XXX XXX XXX XXX Purchase Primary 6/XX/2006 PA $XXX Loan Review Complete 2019-07-19 12:42:52.000000 Loan Package Documentation Closing / Title Compliance Open   2 24822239 (Doc Error) TIL Error: Borrower signature not dated.   Borrowers signed the final TIL, but did not date their signatures.          
275064090 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 TN $XXX Loan Review Complete 2019-07-19 12:43:07.000000 Compliance Federal Compliance Compliance Open   2 24822240 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2006.           Provide missing documentation
275064090 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 TN $XXX Loan Review Complete 2019-07-19 12:43:07.000000 Compliance Federal Compliance Compliance Open   2 24822241 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275064090 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 TN $XXX Loan Review Complete 2019-07-19 12:43:07.000000 Compliance Federal Compliance Compliance Open   2 24822242 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064090 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 TN $XXX Loan Review Complete 2019-07-19 12:43:07.000000 Loan Package Documentation Application / Processing Credit Open   1 24822243 Missing Document: Missing Final 1003             Provide missing documentation
275064092 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:44:46.000000 Compliance Federal Compliance Compliance Open   2 24822261 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275064092 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:44:46.000000 Compliance State Compliance Compliance Open   2 24822262 Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.            
275064092 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:44:46.000000 Compliance Federal Compliance Compliance Open   2 24822263 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064092 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 2019-07-19 12:44:46.000000 Compliance Federal Compliance Compliance Open   2 24822264 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064152 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 2019-07-19 12:46:10.000000 Insurance Insurance Documentation Credit Open   1 24822258 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064152 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 2019-07-19 12:46:10.000000 Compliance Federal Compliance Compliance Open   2 24822259 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275064093 XXX XXX XXX XXX Purchase Primary 11/XX/2006 MI $XXX Loan Review Complete 2019-07-19 12:46:28.000000 Compliance Federal Compliance Compliance Open   2 24822274 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2006.           Provide missing documentation
275064094 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 1/XX/2007 CT $XXX Loan Review Complete 2019-07-19 12:48:35.000000 Compliance Federal Compliance Compliance Open   2 24822281 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275064087 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 KS $XXX Loan Review Complete 2019-07-19 12:50:56.000000 Compliance Federal Compliance Compliance Open   2 24822310 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064087 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 KS $XXX Loan Review Complete 2019-07-19 12:50:56.000000 Compliance Federal Compliance Compliance Open   2 24822311 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064087 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 KS $XXX Loan Review Complete 2019-07-19 12:50:56.000000 Compliance Federal Compliance Compliance Open   2 24822312 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064063 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2019-08-14 03:48:44.000000 Compliance Federal Compliance Compliance Open   1 24822328 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064063 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2019-08-14 03:48:44.000000 Compliance Federal Compliance Compliance Open   2 24822329 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2005.           Provide missing documentation
275064132 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 2019-08-14 03:54:35.000000 Compliance Federal Compliance Compliance Open   2 24822372 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275064132 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 2019-08-14 03:54:35.000000 Compliance Federal Compliance Compliance Open   2 24822373 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064305 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2020 CA $XXX Loan Review Complete 2021-07-01 18:40:47.000000 Loan Package Documentation Application / Processing Credit Open   1 24917565 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2020                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		 The property is located in XXX County. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after  10/XX/2020.   (2021/XX/16): Please escalate to be cleared. XXX has purchased loans previously using our methodology. When a county is both individual and public assistance, we do not order a disaster inspection. We would only order one if the property is located in a county with individual assistance only.   (2021/XX/22): Client to review.  
275064305 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2020 CA $XXX Loan Review Complete 2021-07-01 18:40:47.000000 Compliance Federal Compliance Compliance Cleared 07/22/2021 1 24917566 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.   (2021/XX/16): PLease clear with the other, this is a waterfall   (2021/XX/22): Undiscounted rate was provided. Lender to provide updated ATR/QM status
275064305 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2020 CA $XXX Loan Review Complete 2021-07-01 18:40:47.000000 Compliance Federal Compliance Compliance Cleared 07/22/2021 1 24917567 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.18134% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.18134%). Points and fees are excessive by $XXX or 1.181434%. Evidence of bona fide points was missing from the file to review for adjustment.   (2021/XX/16): see attached   (2021/XX/22): Undiscounted rate was provided. If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275064305 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2020 CA $XXX Loan Review Complete 2021-07-01 18:40:47.000000 Income Income Eligibility Credit Cleared 08/13/2021 1 24917568 Borrower has un-audited YTD P&L and does not have 2 months Account statements. (GSE COVID-19) Borrower: XXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: 07/XX/2018 The file was missing 2 months bank statements for the self employed income to support the P&L and the income used by the lender.   (2021/XX/16): see attached

(2021/XX/04): This is not correct. AUS is not requiring bank statements or a P&L. Guidelines do not require this Please review to clear this condition.

(2021/XX/10): Please review the bank statements on file for 9/1-9/30 and 10/1-10/31 and 11/1-11/30 XXX. There is a business deposit of $XXX for proof of SE on 11/30 as well as a $XXXk business deposit on the October statement		   (2021/XX/26): Guidelines provided are for Jumbo smart, loan was AUS approved. AUS required this at the time of origination.

(2021/XX/06): This was an additional requirement from the Lender Letter (LL-2020-03) issued by Fannie Mae.  Exception remains.

(2021/XX/13): provided as trailing docs		  
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Title General Credit Cleared 08/03/2021 1 24918039 Final Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file.         (2021/XX/03): Clearing after receipt.  
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 10/28/2021 1 24918040 Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment         (2021/XX/28): Final title provided  
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Open   3 24918041 HUD QM Points and Fees HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.00626% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.00626%). Points and fees are excessive by $XXX or 1.02859%.         HUD QM points and fees exceptions are not curable. HUD stated that it could not adopt the 1026.43 points and fees cure for a variety of reasons.  
See HUD's Qualified Mortgage Rule: Announcement of Intention To Adopt Changes Pertaining to Exempted Transaction List Published 11/03/2014.
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Guideline Guideline Issue Credit Open   3 24918042 Employment was not verified within 10 days of the note date. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2012 The file was missing a VVOE obtained within 10 business days of the Note.          
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Open   3 24918043 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA.          
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Open   3 24918044 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.         Lender to provide updated ATR/QM status
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Open   3 24918045 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.00626% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.00626%). Points and Fees are excessive by an overage of $XXX or 1.00626%.         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Waived 10/28/2021 2 24918047 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.       (2021/XX/28): Client elected to waive the condition Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Waived 10/28/2021 2 24918048 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax and Assessments.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7543) Cure for $XXX was provided.       (2021/XX/28): Client elected to waive the condition Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Waived 10/28/2021 2 24918049 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7591) Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower       (2021/XX/28): Client elected to waive the condition Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Waived 10/28/2021 2 24918050 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.       (2021/XX/28): Client elected to waive the condition Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Compliance Federal Compliance Compliance Open   3 24918051 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Loan was approved as an FHA loan with 52.48% DTI, however, loan is not eligible for FHA financing.          
275064308 XXX XXX XXX XXX Purchase Primary 10/XX/2019 PA $XXX Loan Review Complete 2021-07-02 12:53:06.000000 Asset Asset Calculation / Analysis Credit Open   3 24918052 AUS Findings: Available for Reserves discrepancy. Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX.            
275064320 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2018 FL $XXX Loan Review Complete 2018-03-28 18:17:23.000000 Property - Appraisal Appraisal Reconciliation Property Cleared 04/25/2018 1 24918190 Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.       (2018/XX/25): Received CDA within 10% tolerance Provide missing documentation
275064320 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2018 FL $XXX Loan Review Complete 2018-03-28 18:17:23.000000 Credit Credit Calculation / Analysis Credit Waived 04/05/2018 2 24918192 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 655 is less than Guideline representative FICO score of 660. 655 < 660 XXXX Statement 80% LTV Cash Out Refinance program.  Exception not acknowledged by Lender. Borrower on this Bank Statement documentation loan has a disposable income of $XXX

39% DTI on this bank statement documentation loan < 45% guideline max		     (2018/XX/05): Received Credit Risk Summary & Exception approval 4/XX/18  
275064320 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2018 FL $XXX Loan Review Complete 2018-03-28 18:17:23.000000 Compliance Federal Compliance Compliance Cleared 04/05/2018 1 24918193 TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .       (2018/XX/05): Received No Defined Cure
275064315 XXX XXX XXX XXX Purchase Primary 5/XX/2015 TX $XXX Loan Review Complete 2019-06-17 03:16:14.000000 Loan Package Documentation Application / Processing Credit Open   1 24918253 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 06/XX/2015
Inspection Date: 03/XX/2015		            
275064315 XXX XXX XXX XXX Purchase Primary 5/XX/2015 TX $XXX Loan Review Complete 2019-06-17 03:16:14.000000 Compliance Federal Compliance Compliance Open   3 24918254 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).            
275064321 XXX XXX XXX XXX Refinance Cash-out - Other Investment 8/XX/2018 NJ $XXX Loan Review Complete 2021-10-08 16:55:21.000000 Compliance Federal Compliance Compliance Open   2 24918308 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2018) Evidence of receipt of the updated report dated 8/XX/2018 on or before consummation was missing from the file.          
275064324 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2019 AL $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Missing Document General Credit Open   3 24918348 Missing Document: 1007 Rent Comparison Schedule not provided   file is missing 1007 rent comparison schedule not provided         Provide missing documentation
275064324 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2019 AL $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Guideline Guideline Issue Credit Open   3 24918350 The borrower has Open Public Records/Collections/Charge Off accounts. Credit Report: Original // Public Record Type: Collections / Balance: 519.00, Credit Report: Original // Public Record Type: Collections / Balance: 475.00, Credit Report: Original // Public Record Type: Collections / Balance: 101.00, Credit Report: Original // Public Record Type: Collections / Balance: 35.00, Credit Report: Original // Public Record Type: Collections / Balance: 30.00 Public Record type:  Collections; Account Status: Unpaid w/o payment plan
Public Record type:  Collections; Account Status: Unpaid w/o payment plan
Public Record type:  Collections; Account Status: Unpaid w/o payment plan
Public Record type:  Collections; Account Status: Unpaid w/o payment plan
Public Record type:  Collections; Account Status: Unpaid w/o payment plan		 ok          
275064324 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2019 AL $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Compliance Federal Compliance Compliance Open   2 24918351 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2019) Verification appraisal was delivered to borrower was not provided.          
275064324 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2019 AL $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Income / Employment Income Documentation Credit Open   3 24918352 REO Documents are missing. Address: XXX, AL Tax Verification Tax verification is missing.         Provide missing documentation
275064326 XXX XXX XXX XXX Purchase Investment 11/XX/2019 FL $XXX Loan Review Complete 2021-10-13 15:02:56.000000 Income / Employment Income Documentation Credit Open   3 24918392 REO Documents are missing. Address: XXX, NY, Address: XXX, FL Statement
Insurance Verification, Tax Verification		 Missing documents to verify PITIA for REO properties.         Provide missing documentation
275064325 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 NJ $XXX Loan Review Complete 2021-10-13 16:17:40.000000 Compliance Federal Compliance Compliance Cleared 11/05/2021 1 24918408 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Loan is falling QM points and fees testing.  Please provide the undiscounted rate and undiscounted price to  determine if any discount points paid by the borrower may be excluded from testing.   (2021/XX/03): Disagree, please see attached Compliance Ease report passing point and fees test.   (2021/XX/05): Compliance report verified the undiscounted interest rate to confirm a portion of the discount points were bona fide Lender to provide updated ATR/QM status
275064325 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 NJ $XXX Loan Review Complete 2021-10-13 16:17:40.000000 Compliance Federal Compliance Compliance Cleared 11/05/2021 1 24918409 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.24182% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .24182%). Loan is falling QM points and fees testing.  Please provide the undiscounted rate and undiscounted price to  determine if any discount points paid by the borrower may be excluded from testing.   (2021/XX/03): Disagree, please see attached Compliance Ease report passing point and fees test.   (2021/XX/05): This is a custom deal setting of the client's and the loan designation is Non-QM. The exception is non-material and identifying that the points and fees exceed the FNMA allowable points and fees. Elevated to the client for review.

(2021/XX/05): Compliance report verified the undiscounted interest rate to confirm a portion of the discount points were bona fide		 If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275064325 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 NJ $XXX Loan Review Complete 2021-10-13 16:17:40.000000 Compliance Federal Compliance Compliance Open   2 24918410 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) Appraisal report for your XXX shows emailed a copy to borrower on 9/XX/2019.  Valuation is showing not completed until 102/XX/2019          
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Property - Appraisal Appraisal Documentation Property Open   3 24918416 Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 11/XX/2019 The subject was appraisal subject to repairs or alterations and a copy of the 1004D/442 was missing from the file.         Provide missing documentation
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Compliance Federal Compliance Compliance Cured 10/12/2021 1 24918420 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Transfer Tax was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       (2021/XX/12): Sufficient Cure Provided At Closing Final CD evidences Cure
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24918421 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2018 The file is missing the verification of employment dated within 10 business days of the Note.          
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24918422 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2012 NA for previous employment          
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24918423 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2012 NA for previous employment          
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24918424 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2018 The file is missing the verification of employment dated within 10 business days of the Note.          
275064327 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2021-10-13 17:02:16.000000 Income / Employment Income Documentation Credit Open   3 24918425 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2012 NA for previous employment          
275064328 XXX XXX XXX XXX Refinance Cash-out - Other Investment 11/XX/2017 CA $XXX Loan Review Complete 2018-12-14 16:39:27.000000 Insurance Insurance Analysis Credit Cleared 01/03/2019 1 24918476 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage Shortfall $XXX. Property insured under California FAIR Plan.
The California FAIR Plan does not estimate the fair market value of the property, the cost to rebuild the property, or the cost of labor and materials in any area, or determine the appropriateness of the coverage. Instead, those are the property owners’ responsibilities.		       (2019/XX/03): Upon further research, exception has been cleared.  
275064328 XXX XXX XXX XXX Refinance Cash-out - Other Investment 11/XX/2017 CA $XXX Loan Review Complete 2018-12-14 16:39:27.000000 Title General Credit Cleared 01/09/2019 1 24918477 Final Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file.         (2019/XX/03): As of 01/XX/2019, still have not received an updated Title Commitment or the Final Title Policy to verify a sufficient ALTA Loan Policy of $XXX.

(2019/XX/09): Final title provided reflects coverage of XXX as required.		  
275064328 XXX XXX XXX XXX Refinance Cash-out - Other Investment 11/XX/2017 CA $XXX Loan Review Complete 2018-12-14 16:39:27.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 01/09/2019 1 24918478 Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment         (2019/XX/09): Final Title was provided.  
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Loan Package Documentation Application / Processing Credit Open   1 24918769 Missing Document: Missing Final 1003             Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Insurance Insurance Documentation Credit Open   1 24918770 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Miscellaneous Compliance Compliance Open   2 24918771 (Doc Error) Initial GFE not provided              
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   2 24918772 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   3 24918773 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   2 24918774 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   2 24918775 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   2 24918776 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064306 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2002 NC $XXX Loan Review Complete 2021-06-03 14:17:55.000000 Compliance Federal Compliance Compliance Open   2 24918777 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064310 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 NY $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919103 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064311 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919104 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064311 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919105 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064311 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919106 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064311 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919107 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064311 XXX XXX XXX XXX Purchase Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Loan Package Documentation Closing / Title Compliance Open   2 24919108 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919115 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2005.           Provide missing documentation
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance State Compliance Compliance Open   2 24919116 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance State Compliance Compliance Open   2 24919117 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance State Compliance Compliance Open   2 24919118 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919119 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064312 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 24919120 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064318 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2007 NY $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919285 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064318 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2007 NY $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919286 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064318 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2007 NY $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919287 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064318 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2007 NY $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919288 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization disclosed a Settlement fee in the amount of $XXX and final HUD reflects $XXX. TIL Itemization disclosed a C/A FedX/Misc fees in the amount of $XXX not reflected on the final HUD.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064317 XXX XXX XXX XXX Purchase Primary 5/XX/2009 NJ $XXX Loan Review Complete 2021-01-07 17:28:28.000000 Disclosure Missing Document Credit Open   3 24919289 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919312 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919313 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919314 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919315 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919316 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Compliance Federal Compliance Compliance Open   2 24919317 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064319 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 2021-01-07 16:18:16.000000 Loan Package Documentation Closing / Title Compliance Open   2 24919318 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064304 XXX XXX XXX XXX Purchase Primary 10/XX/2005 FL $XXX Loan Review Complete 2019-08-01 15:56:14.000000 Loan Package Documentation Application / Processing Credit Open   1 24919362 Missing Document: Missing Final 1003             Provide missing documentation
275064304 XXX XXX XXX XXX Purchase Primary 10/XX/2005 FL $XXX Loan Review Complete 2019-08-01 15:56:14.000000 Compliance Federal Compliance Compliance Open   2 24919363 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2005.           Provide missing documentation
275064304 XXX XXX XXX XXX Purchase Primary 10/XX/2005 FL $XXX Loan Review Complete 2019-08-01 15:56:14.000000 Compliance Federal Compliance Compliance Open   2 24919364 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064304 XXX XXX XXX XXX Purchase Primary 10/XX/2005 FL $XXX Loan Review Complete 2019-08-01 15:56:14.000000 Compliance Miscellaneous Compliance Compliance Open   2 24919365 (Doc Error) Initial GFE not provided              
275064313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2019-06-17 03:07:15.000000 Compliance Federal Compliance Compliance Open   2 24919458 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2005.           Provide missing documentation
275064314 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 DE $XXX Loan Review Complete 2019-06-17 03:08:14.000000 Compliance Federal Compliance Compliance Open   2 24919461 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2007.           Provide missing documentation
275064314 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 DE $XXX Loan Review Complete 2019-06-17 03:08:14.000000 Compliance Miscellaneous Compliance Compliance Open   2 24919462 (Doc Error) Initial GFE not provided              
275064316 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MD $XXX Loan Review Complete 2019-06-17 03:18:04.000000 Compliance Federal Compliance Compliance Open   2 24919475 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064316 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MD $XXX Loan Review Complete 2019-06-17 03:18:04.000000 Compliance Federal Compliance Compliance Open   2 24919476 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275064329 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Loan Package Documentation Application / Processing Credit Open   1 24919587 Missing Document: Missing Final 1003             Provide missing documentation
275064329 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Compliance Federal Compliance Compliance Open   2 24919588 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064329 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Compliance Federal Compliance Compliance Open   2 24919589 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to daily simple interest         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064329 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2021-10-12 10:45:50.000000 Compliance Federal Compliance Compliance Open   2 24919590 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064332 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2008 IL $XXX Loan Review Complete 2021-10-12 08:11:27.000000 Compliance Federal Compliance Compliance Open   2 24919727 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064509 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2020 NC $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Compliance Federal Compliance Compliance Open   2 24982332 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2020). (Final/02/XX/2020) The finance charge was under disclosed in the amount of $XXX.   (2022/XX/25): The issue cited has either been resolved or was determined to not be an exception as noted.  The premium pricing credit of $XXX, of which $XXX was applied to offset the prepaid finance charges in Section J of the Closing Disclosure may not have been considered. Based on the review, due to rounding variances, there was a slight difference of .93 in the Finance charge of $XXX (Closing Disclosure Loan Calculations) vs $XXX (Calculations from 2/XX/2020 Closing) - see source data attached.  As such, the difference is within tolerance limits.  Supporting documentation uploaded as #XXX XXX Compliance documents_2/XX/2022.   (2022/XX/02): Current deal settings set to ignore lump sum credits TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064509 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2020 NC $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24982333 AUS/Guideline Findings: All conditions were not met   All conditions not met due to missing Guidelines.   (2022/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted.  See all conditions attached, per the AUS findings.  As such, all conditions were met.  #XXX XXX_Compliance Documents_3/XX/2022.   (2022/XX/04): The most recent AUS dated 2/XX/2020 is referred and the 1008's provided reflect loan was manually underwritten.  Guidelines were not provided for this loan.  We, therefore, can not determine guideline required conditions.  
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   2 24982313 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) No cure or valid CIC in file         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   2 24982314 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Escrow Service Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77232) No cure or valid CIC in file         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   3 24982315 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/9979807) loan is defaulting to standard ATR/QM documentation requirements.          
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   3 24982316 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/9979808) loan is defaulting to standard ATR/QM documentation requirements.          
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   3 24982317 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Missing W-2s for borrower current wages   (2022/XX/02): The issue cited has either been resolved or was determined to not be an exception as noted.  XXX  - Business location validated through Lexis Nexis, and  W-2s provided matches the same location.  Supporting documentation uploaded as #XXX XXX_Income documentation_2/XX/2022.   (2022/XX/02): Re checked guideline sheet sent on 2/XX/22.  For loan #XXX. marked as still needed to be provided for Conv Fixed affordable Loan Solution.

(2022/XX/03): 2018 W2 provided for B1.  Loan closed 2/XX/2020.  A 2019 W2 would not be required because loan closed before tax filing deadline.  However, a verification of employment including dates for B1 is missing.		  
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   3 24982318 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 30.58504%, LTV/CLTV: 95.00000%/95.00000%, Credit Score: 692, Occupancy: Primary, Purpose: Purchase, loan is defaulting to standard ATR/QM documentation requirements.   (2022/XX/02): The issue cited has either been resolved or was determined to not be an exception as noted. On 2/XX/22, the deal team delivered the guidelines for this program.  As such, this request is resolved.   (2022/XX/02): Re checked guideline sheet sent on 2/XX/22.  For loan #XXX. marked as still needed to be provided for Conv Fixed affordable Loan Solution.

(2022/XX/03): A verification of employment including dates is required for B1 employment with XXX.		  
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   3 24982320 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. loan is defaulting to standard ATR/QM documentation requirements.         Lender to provide updated ATR/QM status
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Income / Employment Income Documentation Credit Open   3 24982322 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2018 loan is defaulting to standard ATR/QM documentation requirements.          
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Income / Employment Income Documentation Credit Cleared 03/02/2022 1 24982323 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2003     (2022/XX/02): The issue cited has either been resolved or was determined to not be an exception as noted.  See attached verification of employment from NIKA covering period of 2003-2014 (translation letter included).  Supporting documentation uploaded as #XXX XXX_Income documentation_2/XX/2022.   (2022/XX/02): Cleared with VOE  
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Income / Employment Income Documentation Credit Open   3 24982324 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2003            
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Income / Employment Income Documentation Credit Open   3 24982325 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2019            
275064550 XXX XXX XXX XXX Purchase Primary 2/XX/2020 IL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Income / Employment Income Documentation Credit Open   3 24982326 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2018            
275064562 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2019 CA $XXX Reviewed with Exceptions 2022-01-26 11:43:46.000000 Loan Package Documentation Application / Processing Credit Open   1 24982384 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2019                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064562 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2019 CA $XXX Reviewed with Exceptions 2022-01-26 11:43:46.000000 Compliance Federal Compliance Compliance Open   2 24982386 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/20/2019) There is no evidence in file that the CD was provided to the client 3 days prior to closing.         No Defined Cure
275064562 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2019 CA $XXX Reviewed with Exceptions 2022-01-26 11:43:46.000000 Compliance Federal Compliance Compliance Open   2 24982387 TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/11/XX/2019) There is no evidence in file that the CD was provided to the client 3 days prior to closing.         No Defined Cure
275064522 XXX XXX XXX XXX Purchase Investment 9/XX/2019 CA $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Loan Package Documentation Application / Processing Credit Open   3 24982388 Missing Document: Fraud Report not provided       (2022/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted.    See Fraud check requested attached.  The missing document have been located and uploaded as #XXX XXX _Compliance Documents_2/XX/2022.   (2022/XX/19): Not cleared. Credit report provided with Fraud detection section.  Missing Mavent or separate Fraud report. Provide missing documentation
275064522 XXX XXX XXX XXX Purchase Investment 9/XX/2019 CA $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Compliance Federal Compliance Compliance Open   2 24982389 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2019)            
275064544 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 MA $XXX Reviewed with Exceptions 2022-01-26 17:36:01.000000 Loan Package Documentation Application / Processing Credit Open   3 24982415 Missing Document: Fraud Report not provided             Provide missing documentation
275064544 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 MA $XXX Reviewed with Exceptions 2022-01-26 17:36:01.000000 Compliance Federal Compliance Compliance Open   2 24982416 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Loan discount Point Fee was last disclosed as $XXX.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064544 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 MA $XXX Reviewed with Exceptions 2022-01-26 17:36:01.000000 Compliance Federal Compliance Compliance Open   2 24982417 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75103) Appraisal Re-inspection Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064544 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 MA $XXX Reviewed with Exceptions 2022-01-26 17:36:01.000000 Compliance State Compliance Compliance Open   2 24982419 Massachusetts HPML Threshold Test Compliant Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 6.09830% or Final Disclosure APR of 6.10900% is in excess of allowable threshold of APOR 3.65% + 1.5%, or 5.15000% Compliant Higher Priced Loan.           No obvious cure
275064555 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   3 24982420 Missing Document: Fraud Report not provided             Provide missing documentation
275064555 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24982421 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2019                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		 The property is located in XXX, CA.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2020.          
275064555 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 24982422 AUS Findings: Property type discrepancy. Appraisal property type of PUD does not match AUS property type of Single Family Detached.            
275064555 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982423 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2019)            
275064555 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982424 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX.  Missing valid COC and no evidence of cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Compliance Federal Compliance Compliance Open   2 24982476 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) File is missing a valid COC and tolerance cure was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Compliance Federal Compliance Compliance Open   2 24982477 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2019) Evidence of borrower's receipt of the initial CD was not included in the loan file.         No Defined Cure
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Compliance Federal Compliance Compliance Open   2 24982478 TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 06/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/06/XX/2019) Evidence of earlier borrower receipt was not found in file.         No Defined Cure
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Loan Package Documentation Application / Processing Credit Open   3 24982479 Missing Document: Fraud Report not provided       (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX_FraudVerification_2/XX/22   (2022/XX/16): Credit page provided is dated post close with Fraud detection section  Missing Mavent or separate Fraud report at time of origination. Not cleared. Provide missing documentation
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Compliance Federal Compliance Compliance Open   2 24982480 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2019)            
275064511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2019 NY $XXX Reviewed with Exceptions 2022-01-26 21:36:26.000000 Compliance Federal Compliance Compliance Open   2 24982481 RESPA -  Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information. Disclosure is not dated.         Provide missing documentation
275064546 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2019 AZ $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Loan Package Documentation Application / Processing Credit Open   3 24982503 Missing Document: Fraud Report not provided       (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX_Fraud Verification_2/XX/22   (2022/XX/16): Not cleared. Page of Credit Report provided with Fraud detection section.  Missing Mavent or separate Fraud report. Provide missing documentation
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Compliance Open   1 24982508 Missing Document: Missing Lender's Initial 1003   Signed initial 1003 is missing         Provide missing documentation
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982509 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 03/XX/2019). (Final/XX/20/2019) Finance Charge disclosed is $XXX  Calculated finance charge is $XXX.  Variance of -$XXX.   TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982510 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 02/XX/2019 not accurate. (Final/XX/20/2019) The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX on page 4; however the HOA dues total $XXX per year, taxes are $XXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.         Letter of Explanation & Corrected Closing Disclosure
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982511 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7325) Loan Discount Points Fee disclosed was  last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Insurance Insurance Analysis Credit Open   3 24982513 Insufficient Coverage: Flood insurance coverage amount is insufficient.   Lender exception in file for HOA does not have flood policy, however policy is only for coverage of $XXX versus $XXX          
275064543 XXX XXX XXX XXX Purchase Second Home 2/XX/2019 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982514 Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. Notice of special Flood Hazard disclosure is missing borrower signature for 1/XX/2019         Provide missing documentation
275064531 XXX XXX XXX XXX Purchase Primary 1/XX/2019 MO $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Compliance Federal Compliance Compliance Open   2 24982515 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2018)            
275064530 XXX XXX XXX XXX Purchase Primary 12/XX/2018 MN $XXX Reviewed with Exceptions 2022-01-26 13:31:27.000000 Compliance Federal Compliance Compliance Open   2 24982525 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) No lender cure or valid COC.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064530 XXX XXX XXX XXX Purchase Primary 12/XX/2018 MN $XXX Reviewed with Exceptions 2022-01-26 13:31:27.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   2 24982526 AUS Findings: Loan amount discrepancy. Note loan amount of $XXX exceeds AUS loan amount of $XXX. An updated AUS feedback results, disclosing a loan amount of $XXX was missing The representative FICO score is above 680. (2022/XX/02): The issue cited has either been resolved or was determined to not be an exception as noted. We have located and provided the following documentation: Fannie Mae UCD Findings Report with a last submission date of 12/XX/2018 Approve Eligible linked to CASE #XXX for $XXX0. Also provided DU Findings CASE #XXX, and the Closing Disclosure 12.21.2018, Closing Worksheet and TIL Disclosure and Note dated 12.21.2018 dated which supports the loan amount of $XXX. Supporting documents uploaded as #XXX_Compliance Documentation_03/XX/2022.   (2022/XX/03): Please provided the last DU submission date 12/XX/2018 in order to ensure loan meets the requirements of that submission.

(2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.		  
275064530 XXX XXX XXX XXX Purchase Primary 12/XX/2018 MN $XXX Reviewed with Exceptions 2022-01-26 13:31:27.000000 Compliance Federal Compliance Compliance Cleared 06/16/2023 1 24982527 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. An updated AUS feedback results, disclosing a loan amount of $XXX was missing       (2023/XX/16): Loan designation was restated by client. Lender to provide updated ATR/QM status
275064530 XXX XXX XXX XXX Purchase Primary 12/XX/2018 MN $XXX Reviewed with Exceptions 2023-06-16 17:43:39.000000 Compliance Federal Compliance Compliance Open   2 28617128 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064542 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 VA $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Compliance Federal Compliance Compliance Open   2 24982556 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2018). (Final/09/XX/2018) Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of -$XXX.  TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064554 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Loan Package Documentation Application / Processing Credit Open   3 24982558 Missing Document: Fraud Report not provided             Provide missing documentation
275064554 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Loan Package Documentation Application / Processing Credit Open   1 24982559 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2018                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064517 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NV $XXX Reviewed with Exceptions 2022-01-27 10:25:46.000000 Compliance Federal Compliance Compliance Open   2 24982575 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Fee increased without a valid COC, no cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064517 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NV $XXX Reviewed with Exceptions 2022-01-27 10:25:46.000000 Compliance Federal Compliance Compliance Open   2 24982576 TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 09/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/09/XX/2018) Date issued is blank. Appears to have been issued prior to the signed CD which is dated 9/XX/18.         Good Faith Redisclosure
275064517 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NV $XXX Reviewed with Exceptions 2022-01-27 10:25:46.000000 Compliance Federal Compliance Compliance Open   2 24982577 TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 09/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/09/XX/2018) Date issued is blank. Appears to have been issued prior to the signed CD which is dated 9/XX/18.         Good Faith Redisclosure
275064517 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NV $XXX Reviewed with Exceptions 2022-01-27 10:25:46.000000 Compliance Federal Compliance Compliance Open   2 24982578 TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 09/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/09/XX/2018) Date issued is blank. Appears to have been issued prior to the signed CD which is dated 9/XX/18.         Good Faith Redisclosure
275064517 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NV $XXX Reviewed with Exceptions 2022-01-27 10:25:46.000000 Loan Package Documentation Application / Processing Credit Open   3 24982579 Missing Document: Fraud Report not provided       (2022/XX/11): The issue cited has either been resolved or was determined to not be an exception as noted.    See Fraud check requested attached.  The missing document have been located and uploaded as #XXX XXX _Compliance Documents_2/XX/2022.   (2022/XX/11): Not cleared. Credit report provided with Fraud detection section.  Missing Mavent or separate Fraud report. Provide missing documentation
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Compliance Open   1 24982580 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   3 24982581 Missing Document: Fraud Report not provided             Provide missing documentation
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24982582 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2018                 
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018		 Property is located in a FEMA Disaster area from XXX that occurred 11/XX/2018 and ended 11/XX/2018 and requires an inspection for property damage.          
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Income / Employment Income Documentation Credit Open   3 24982583 REO Documents are missing. Address: XXX, CA, Address: XXX, CA Insurance Verification, Other, Tax Verification
Other		 XXX - Verification of non-escrowed PITI costs totaling $XXX as noted on the Final 1003.

XXX -  Verification of non-escrowed PITI costs totaling $XXX as noted on the Final 1003.  Need tax and insurance verifications.		         Provide missing documentation
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982584 Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2018,  Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp)            
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982585 Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2018,  Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp)            
275064541 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 8/XX/2018 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24982586 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2018). (Final/08/XX/2018) Disclosure reflects Finance Charges of $XXX, however calculated Finance Charges reflects $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064535 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 MO $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Open   3 24982626 Missing Document: Fraud Report not provided   The fraud report was missing from the loan file.   (2022/XX/11): The issue cited has either been resolved or was determined to not be an exception as noted.    See Fraud check requested attached.  The missing document have been located and uploaded as #XXX XXX_Compliance Documents_2/XX/2022.   (2022/XX/11): Not cleared. Credit report provided with Fraud detection section.  Missing Mavent or separate Fraud report. Provide missing documentation
275064535 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 MO $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982627 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064535 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2018 MO $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Cleared 02/11/2022 1 24982629 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2018                 
Disaster End Date: 07/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 07/XX/2019		 FEAM declared disaster, XXX.  An interior/exterior inspection is required, dated after, 07/XX/2019, the declared end date.   (2022/XX/11): The issue cited has either been resolved or was determined to not be an exception as noted. See attached property inspection dated 2/XX/2021, which is after the Disaster end date of 7/XX/2019 reported.  As such, this matter is considered resolved.   The missing document have been located and uploaded as #XXX XXX_Compliance Documents_2/XX/2022.   (2022/XX/11): Inspection provided. Exception cleared.  
275064553 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   2 24982681 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2018). (Final/05/XX/2018) Finance charge is under disclosed by $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064553 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   2 24982682 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX  is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) Missing valid COC and no evidence of cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064553 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Loan Package Documentation Application / Processing Credit Open   3 24982683 Missing Document: Fraud Report not provided       (2022/XX/18): The issue cited has either been resolved or was determined to not be an exception as noted. Although there is no separate Fraud report in the file, the Fraud Verification information is incorporated in the credit report.  Supporting documentation has been uploaded as #XXX_Compliance docs_2/XX/2022   (2022/XX/18): Fraud report with full loan participant list required, SSN identification and fraud verification sections within CBR are not sufficient. Provide missing documentation
275064553 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-27 15:43:24.000000 Compliance Federal Compliance Compliance Open   2 24982684 TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees are disclosed in Section B when they should be disclosed in Section C due to the Service Provider List reflects a different Provider indicating the borrower selected their own Provider.         Good Faith Redisclosure
275064275 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2018 TX $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Loan Package Documentation Application / Processing Credit Open   3 24982692 Missing Document: Fraud Report not provided       (2022/XX/18): The issue cited has either been resolved or was determined to not be an exception as noted.  The credit report in the file did not indicate that there was any fraud associated with the borrower.  The credit report indicates Fraud Alert-Available and Clear.  Accordingly, this matter is resolved.  Supporting documents uploaded as #XXX XXX_Compliance Documents_2/XX/2022.   (2022/XX/18): Fraud report with full loan participant list required, SSN identification and fraud verification sections within CBR are not sufficient. Provide missing documentation
275064275 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2018 TX $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Loan Package Documentation Application / Processing Credit Cleared 02/18/2022 1 24982693 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2018                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		         (2022/XX/18): PDI received.  
275064275 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2018 TX $XXX Reviewed with Exceptions 2022-01-26 12:58:26.000000 Compliance Federal Compliance Compliance Open   2 24982694 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064508 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 TX $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Open   3 24982735 Missing Document: Fraud Report not provided   The fraud report was missing from the loan file.   (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX XXX_Fraud Verification_2/XX/22   (2022/XX/16): Not cleared. Credit report provided with Fraud detection section.  Missing Mavent or separate Fraud report. Provide missing documentation
275064508 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 TX $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Cleared 02/16/2022 1 24982736 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2017                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		 The property is located in XXX, TX.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 02/XX/2021.   (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX XXX_Valuation_2/XX/22.   (2022/XX/16): Property inspection provided. Exception cleared.  
275064508 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 TX $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982737 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 12/XX/2017 not accurate. (Final/XX/20/2017) The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX on page 4; however the HOA dues are $XXX per year.  Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.         Letter of Explanation & Corrected Closing Disclosure
275064508 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 TX $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982738 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2017). (Final/XX/20/2017) Disclosure reflects Finance Charges of $XXX however calculated Finance Charges reflects $XXX -- a difference $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064534 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2017 FL $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Open   3 24982829 Missing Document: Fraud Report not provided             Provide missing documentation
275064534 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2017 FL $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Cleared 02/11/2022 1 24982830 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2017                 
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017		 The property is located in XXX, FL.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2017.   (2022/XX/11): FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2017                  Disaster End Date: 10/XX/2017 Disaster Name: XXX Disaster Declaration Date: 09/XX/2017   (2022/XX/11): Inspection provided dated 1.XX.2022. Exception cleared.  
275064534 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2017 FL $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982831 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2017) Appraisal was provided at closing.          
275064534 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2017 FL $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982832 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2017). (Final/10/XX/2017) Disclosure reflects Finance Charges of $XXX however calculated Finance Charges reflects $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064533 XXX XXX XXX XXX Purchase Primary 6/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Loan Package Documentation Application / Processing Credit Open   3 24982866 Missing Document: Fraud Report not provided             Provide missing documentation
275064533 XXX XXX XXX XXX Purchase Primary 6/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   2 24982867 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017)            
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982884 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982885 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2017, prior to three (3) business days from transaction date of 04/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Open   2 24982886 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Final CD is missing evidence of delivery creating a transaction date of, 4/XX/2017.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Compliance Federal Compliance Compliance Cleared 02/16/2022 1 24982887 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Loan designation does not match due to missing AUS.       (2022/XX/16): After further review exception cleared. Lender to provide updated ATR/QM status
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 02/16/2022 1 24982888 AUS/Guideline Findings: All conditions were not met   Valid LP  AUS not found in loan review.   (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. Loan closed on 4/XX/2017. Attached please find the latest LP AUS dated 4/XX/2017. All conditions have been met.  Supporting documentation uploaded as #XXX_AUS docs_2/XX/2022   (2022/XX/16): After further review exception cleared.  
275064524 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-20 23:07:30.000000 Loan Package Documentation Application / Processing Credit Cleared 02/16/2022 1 24982889 Missing Document: AUS not provided       (2022/XX/16): The issue cited has either been resolved or was determined to not be an exception as noted. Loan closed on 4/XX/2017. Attached please find the latest LP AUS dated 4/XX/2017. All conditions have been met.  Supporting documentation uploaded as #XXX_AUS docs_2/XX/2022   (2022/XX/16): After further review exception cleared. Provide missing documentation
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Loan Package Documentation Application / Processing Credit Open   3 24982869 Missing Document: Fraud Report not provided             Provide missing documentation
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Loan Package Documentation Application / Processing Credit Open   1 24982871 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2017                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   3 24982872 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp)            
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982873 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:Primary/02/XX/2017)            
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982874 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982875 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 04/XX/2017 not accurate. (Final/04/XX/2017)           Letter of Explanation & Corrected Closing Disclosure
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982876 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2017, prior to three (3) business days from transaction date of 04/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982877 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   3 24982878 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM due to missing income documentation.         Lender to provide updated ATR/QM status
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982879 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982880 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (One Time).  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7550) Tolerance exceeded for Tax Service Fee (One Time). Fee Amount of $XXX exceeds tolerance of $XXX.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982881 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Income / Employment Income Documentation Credit Open   3 24982882 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2015            
275064540 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 CA $XXX Reviewed with Exceptions 2022-02-17 10:47:34.000000 Compliance Federal Compliance Compliance Open   2 24982883 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) No valid COC or cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Loan Package Documentation Application / Processing Credit Open   3 24982958 Missing Document: Fraud Report not provided             Provide missing documentation
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   2 24982959 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2016). (Final/10/XX/2016) The disclosed finance charge was under disclosed in the amount of $XXX.  Unable to determine the discrepancy.  An Itemization of Amount Financed or Itemization of Seller and Lender paid fees are missing.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982960 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982961 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982962 XXX Documentation Qualified Mortgage (Dodd-Frank 2014): XXX income documentation insufficient. (XXX XXX/XXX) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Loan Package Documentation Application / Processing Credit Open   1 24982964 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2016                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982965 Rental Income Documentation - Schedule E Method Test Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX.  Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982966 Rental Income Documentation - Schedule E Method Test Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX.  Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982967 General Ability To Repay Provision Income and Assets - REO Schedule E Method Test Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (XXX/Schedule E) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982968 General Ability To Repay Provision Income and Assets - REO Schedule E Method Test Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (XXX/Schedule E) The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.          
275064539 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Reviewed with Exceptions 2022-02-17 10:37:52.000000 Compliance Federal Compliance Compliance Open   3 24982969 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. The loan was manually underwritten to Lender guidelines and is is water falling to ATR/QM standard documentation requirements.         Lender to provide updated ATR/QM status
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   3 24983049 Missing Document: Fraud Report not provided             Provide missing documentation
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24983050 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2015                 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		            
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24983051 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. The loan closed 12/XX/2015. The affiliated business arrangement disclosure statement was signed 12/XX/2015 which is day after closing          
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24983052 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Finance Charge disclosed is $XXX.  Calculated finance charge is $XXX.  Variance of -$XXX.   TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24983053 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2015, prior to three (3) business days from transaction date of 12/XX/2015. Loan disbursed 12/XX/2015 as per HUD.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   3 24983054 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Subject loan designation is Safe Harbor QM however, loan does not meet the requirements of Safe Harbor QM due to missing income documentation.         Lender to provide updated ATR/QM status
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   3 24983055 Rental Income Documentation - Schedule E Method Test Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX.  Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) File missing lease agreement          
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   3 24983056 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) Lender did not factor the loss for XXX or S-corp.  File missing signed 1120 both years signed business tax returns.          
275064520 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   3 24983057 Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) File missing balance sheet.          
275064564 XXX XXX XXX XXX Purchase Primary 8/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24983074 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2015                 
Disaster End Date: 09/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2020		            
275064564 XXX XXX XXX XXX Purchase Primary 8/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Insurance Insurance Analysis Credit Open   3 24983075 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   SitusAMC uses FannieMae’s definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following:
100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained.		          
275064564 XXX XXX XXX XXX Purchase Primary 8/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24983079 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2015)            
275064564 XXX XXX XXX XXX Purchase Primary 8/XX/2015 CA $XXX Reviewed with Exceptions 2022-02-16 14:01:54.000000 Compliance Federal Compliance Compliance Open   2 24983080 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983272 Missing Document: Missing Final 1003             Provide missing documentation
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983274 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Cleared 03/08/2022 1 24983275 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2020 used as disbursement date for compliance testing.         (2022/XX/08): Screen Shot to include account opening/disbursement provided. Exception cleared. Provide missing documentation
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983277 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983278 Massachusetts Open End Late Charge Grace Period Testing Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983279 Massachusetts Open End Late Charge Percent and Amount Testing Massachusetts Late Charge: Note late charge of 5.00000%/$XXX exceeds state maximum of 10% or $XXX whichever is lesser.            
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Cleared 03/08/2022 1 24983280 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2020, prior to three (3) business days from transaction date of 03/XX/2020.     (2022/XX/08): The issue cited has either been resolved or was determined to not be an exception as noted. The origination information from our servicing system confirms that the loan date of 03/XX/2020 is 3 business days after the date the Note was signed by the borrower, showing that the loan complied with applicable law. We have provided the Home Equity Closing Directions confirming the funding date of 03/XX/2020. Additionally, we have provided the SMART Screen Shot which verified the initial balance advances of $XXX and $XXX on 03/XX/2020. Supporting documents uploaded as #XXX_Compliance Documentation_03/XX/2022.   (2022/XX/08): Screen Shot to include account opening/disbursement provided. Exception cleared. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064440 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 MA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983281 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Acknowledged          
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983377 Missing Document: Missing Final 1003             Provide missing documentation
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24983378 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983380 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Cleared 02/18/2022 1 24983381 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2019 used as disbursement date for compliance testing.         (2022/XX/18): Screen print provides evidence of the disbursement date.  Exception cleared. Provide missing documentation
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Cleared 02/18/2022 1 24983383 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2019, prior to three (3) business days from transaction date of 11/XX/2019.     (2022/XX/18): The issue cited has either been resolved or was determined to not be an exception as noted.  The Notice of Right to Cancel was signed on 11/XX/2019.  The account was not set up and disbursed until 11/XX/2019 when the $XXX was advanced to the borrower.  Please see the attached print screen from our internal system showing when the disbursement occurred.  Supporting documents uploaded ad #XXX_Compliance Documents_2/XX/2022   (2022/XX/18): Screen print provides evidence of the disbursement date.  Exception cleared. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983384 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Acknoweldged          
275064416 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983385 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983568 Missing Document: Missing Final 1003             Provide missing documentation
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983569 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983570 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2018 used as disbursement date for compliance testing.           Provide missing documentation
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983572 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983573 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. No initial loan application in the file.          
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983575 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2018)            
275064503 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983576 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2018, prior to three (3) business days from transaction date of 09/XX/2018.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983577 Missing Document: Missing Final 1003             Provide missing documentation
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983578 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983579 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2018 used as disbursement date for compliance testing.           Provide missing documentation
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983581 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983582 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983583 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Verified          
275064502 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2018 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983585 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2018, prior to three (3) business days from transaction date of 09/XX/2018.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983668 Missing Document: Missing Final 1003             Provide missing documentation
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983669 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983670 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2018 used as disbursement date for compliance testing.           Provide missing documentation
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983672 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983673 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Verified          
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983675 Iowa Prepayment Penalty Iowa Prepayment Penalty: A prepayment penalty is not permitted per state law.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064486 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2018 IA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983676 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2018, prior to three (3) business days from transaction date of 06/XX/2018.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983757 Missing Document: Missing Final 1003             Provide missing documentation
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983759 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983760 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2017 used as disbursement date for compliance testing.           Provide missing documentation
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983762 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983763 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983764 Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.            
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983765 Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.            
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983766 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. no date provided          
275064405 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2017 MN $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983767 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2017, prior to three (3) business days from transaction date of 12/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983850 Missing Document: Missing Final 1003             Provide missing documentation
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983851 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2017 used as disbursement date for compliance testing.           Provide missing documentation
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983854 RESPA Disclosure - List of Homeownership Counseling Organizations Missing Unable to determine Homeownership Counseling List was provided due to missing information.           Provide missing documentation
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24983855 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983856 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2017, prior to three (3) business days from transaction date of 11/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064424 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2017 CT $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983857 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial 1003          
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24983978 Missing Document: Missing Final 1003             Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24983979 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24983980 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983981 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983982 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2017 used as disbursement date for compliance testing.           Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983984 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983985 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983986 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983987 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983988 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2017, prior to three (3) business days from transaction date of 08/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064485 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2017 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24983989 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984169 Missing Document: Missing Final 1003             Provide missing documentation
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984170 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24984172 Kansas Prepayment Penalty Kansas Prepayment Penalty:  Loan contains an impermissible prepayment penalty of greater than 6 months.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984173 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2017, prior to three (3) business days from transaction date of 04/XX/2017.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984174 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing Initial Loan Application          
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984175 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. RTC was not signed         Provide missing documentation
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984177 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064415 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2017 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984178 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2017 used as disbursement date for compliance testing.           Provide missing documentation
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984341 Missing Document: Missing Final 1003             Provide missing documentation
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984342 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984344 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984345 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Verified          
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984346 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984347 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2016, prior to three (3) business days from transaction date of 11/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064404 XXX XXX XXX XXX Refinance UTD Primary 11/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984348 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984466 Missing Document: Missing Final 1003             Provide missing documentation
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984467 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984468 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2016 used as disbursement date for compliance testing.           Provide missing documentation
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24984470 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984471 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2016, prior to three (3) business days from transaction date of 09/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064403 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984472 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. missing          
275064491 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984511 Missing Document: Missing Final 1003             Provide missing documentation
275064491 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984513 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064491 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984515 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. no date provided          
275064491 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984516 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064491 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2016 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984517 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2016, prior to three (3) business days from transaction date of 08/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984565 Missing Document: Missing Final 1003             Provide missing documentation
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984567 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984568 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2016 used as disbursement date for compliance testing.           Provide missing documentation
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984570 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984571 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064495 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984572 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2016, prior to three (3) business days from transaction date of 04/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984595 Missing Document: Missing Final 1003             Provide missing documentation
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24984596 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24984597 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984598 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984599 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2016 used as disbursement date for compliance testing.           Provide missing documentation
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984601 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984602 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2016, prior to three (3) business days from transaction date of 03/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984603 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Acknoweldged          
275064490 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984604 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984585 Missing Document: Missing Final 1003             Provide missing documentation
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984587 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984588 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2016 used as disbursement date for compliance testing.           Provide missing documentation
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984590 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984591 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984592 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. no date provided          
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984593 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2016)            
275064423 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2016 DE $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984594 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2016, prior to three (3) business days from transaction date of 03/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984617 Missing Document: Missing Final 1003             Provide missing documentation
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24984619 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984620 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984621 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2016 used as disbursement date for compliance testing.           Provide missing documentation
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984623 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984624 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2016, prior to three (3) business days from transaction date of 03/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064496 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984625 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Acknowledged          
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984759 Missing Document: Missing Final 1003             Provide missing documentation
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984760 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2015)            
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984761 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984763 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984764 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2015, prior to three (3) business days from transaction date of 10/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064413 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984765 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. missing          
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984868 Missing Document: Missing Final 1003             Provide missing documentation
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24984869 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984870 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984872 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984873 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2015, prior to three (3) business days from transaction date of 07/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064501 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984874 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Unable to determine due to missing loan application.          
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24984905 Missing Document: Missing Final 1003             Provide missing documentation
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24984906 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984907 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984908 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2015 used as disbursement date for compliance testing.           Provide missing documentation
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984910 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984911 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. No initial loan application in the file.          
275064420 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2015 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24984912 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2015, prior to three (3) business days from transaction date of 05/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985032 Missing Document: Missing Final 1003             Provide missing documentation
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985033 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985034 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2015 used as disbursement date for compliance testing.           Provide missing documentation
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985036 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985037 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064402 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2015 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985039 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2015, prior to three (3) business days from transaction date of 02/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985269 Missing Document: Missing Final 1003             Provide missing documentation
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Property Open   3 24985270 Valuation Error: Appraiser and/or Supervisory appraiser are not licensed or certified in the appraiser national registry. Valuation Type: Appraisal / Valuation Report Date: 02/XX/2014 Appraiser lookup did not open any information.          
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985271 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2014)            
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985272 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985273 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985274 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985275 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2014 used as disbursement date for compliance testing.           Provide missing documentation
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985277 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985278 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24985279 Missouri Late Charge Grace Period Testing Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064412 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2014 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985280 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2014, prior to three (3) business days from transaction date of 02/XX/2014.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24985450 Missing Document: Missing Final 1003             Provide missing documentation
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985452 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985453 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985454 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2013 used as disbursement date for compliance testing.           Provide missing documentation
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985455 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985456 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064439 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2013 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985457 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2013, prior to three (3) business days from transaction date of 11/XX/2013.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064510 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24985500 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064510 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24985501 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275064510 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24985502 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985589 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985590 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985591 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985592 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985593 RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985594 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064563 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 CO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985595 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985620 Missing Document: Missing Final 1003             Provide missing documentation
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24985621 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985622 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2013 used as disbursement date for compliance testing.           Provide missing documentation
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985623 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985624 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24985625 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.            
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985626 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2013, prior to three (3) business days from transaction date of 01/XX/2013.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064438 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 ID $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24985627 Idaho Prepayment Penalty Idaho Prepayment Penalty:  Loan contains a prepayment penalty which was not disclosed separately in writing to borrower.            
275064538 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24985631 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275064538 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2013 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24985632 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275064401 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2012 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985662 Missing Document: Missing Final 1003             Provide missing documentation
275064401 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2012 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985663 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2012 used as disbursement date for compliance testing.           Provide missing documentation
275064401 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2012 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985664 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064401 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2012 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985666 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064401 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2012 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985667 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2012, prior to three (3) business days from transaction date of 11/XX/2012.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Loan File Compliance Cleared 02/24/2022 1 24985832 (Missing Doc) Incomplete loan images/file   Status is Missing.  File does not include documentation for the subject loan. File contains Servicing documentation but  does not contain Legal or Compliance documents for the subject.   (2022/XX/10): * 7/XX/05 -The original note date executed in the amount of $XXX. The deed of trust recorded 8/XX/05 as BOOK 5513, page 2592 recorded as $XXX Open ended amount $XXX.   * 3/XX/06 a mod was executed in the amount of $XXX recorded on 6/XX/06.   * 11/XX/11 the loan was closed and rebooted due to fraud, of which a modification agreement was executed reporting the loan with a different loan number, changing the terms, and maturity date to 1/XX/2056 (Servicing records changed loan data from 68211053799399 to 68211066659699/ 0418151800 .  Although, the loan was rebooked - servicing record reported 11/XX/11 modified data as the revised origination data).  The missing document referenced above have been located and uploaded as Loan Number# XXX_Compliance Documents_2/XX/2022.   (2022/XX/24): Heloc agreement in file Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Application / Processing Credit Open   1 24985833 Missing Document: Missing Final 1003             Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Closing / Title Credit Open   3 24985834 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985835 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   3 24985836 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985837 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985838 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985839 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985840 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24985841 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24985842 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064418 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Miscellaneous Compliance Compliance Open   2 24985843 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064500 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Document Error General Credit Open   3 24985894 VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by borrower between the application date and  loan closing date. Disclosure: HELOC Agreement Originator App Date:
Creditor App Date: 02/XX/2011
Disclosure signed by Borrower Date: 04/XX/2011		            
275064500 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985895 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064500 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985896 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064500 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985897 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064500 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985898 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24985925 Missing Document: Missing Final 1003             Provide missing documentation
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24985926 Missing Document: Flood Certificate not provided             Provide missing documentation
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24985927 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24985928 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985929 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2011 used as disbursement date for compliance testing.           Provide missing documentation
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985930 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985931 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985932 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2011, prior to three (3) business days from transaction date of 04/XX/2011.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064484 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24985933 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985934 Missing Document: Missing Final 1003             Provide missing documentation
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24985935 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24985936 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985937 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2011 used as disbursement date for compliance testing.           Provide missing documentation
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985938 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985939 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985940 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064494 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985941 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2011, prior to three (3) business days from transaction date of 02/XX/2011.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064552 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24985960 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064552 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24985961 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24985973 Missing Document: Missing Final 1003             Provide missing documentation
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24985974 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24985975 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24985976 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985977 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985978 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985979 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985980 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064437 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24985981 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24986008 Missing Document: Missing Final 1003             Provide missing documentation
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986009 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986010 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986011 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986012 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986013 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986014 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986015 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064483 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 TN $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986016 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24986019 Missing Document: Missing Final 1003             Provide missing documentation
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986020 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986021 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986022 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986023 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986024 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986025 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064400 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986026 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24986064 Missing Document: Missing Final 1003             Provide missing documentation
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986065 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24986066 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986067 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986068 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986069 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986070 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064489 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986071 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2010, prior to three (3) business days from transaction date of 10/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24986082 Missing Document: Missing Final 1003             Provide missing documentation
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986083 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986084 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986085 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986086 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986087 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986088 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064488 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986089 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2010, prior to three (3) business days from transaction date of 09/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24986090 Missing Document: Flood Certificate not provided             Provide missing documentation
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24986091 Missing Document: Missing Final 1003             Provide missing documentation
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986092 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986093 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986094 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986095 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986096 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2010, prior to three (3) business days from transaction date of 08/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986097 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064499 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2010 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986098 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986106 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986107 RESPA (2010) -  First Change Date on GFE Inaccurate RESPA (2010): First Change Date on GFE does not match First Change Date on Note.            
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986108 RESPA (2010) -  Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.            
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986109 RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986110 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986111 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986112 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064436 XXX XXX XXX XXX Purchase Primary 9/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Government Documentation Credit Open   3 24986113 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24986154 Missing Document: Missing Final 1003             Provide missing documentation
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986155 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986156 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986157 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986158 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986159 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986160 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064411 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2010 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986161 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2010, prior to three (3) business days from transaction date of 08/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24986197 Missing Document: Missing Final 1003             Provide missing documentation
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986198 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24986199 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986200 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986201 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986202 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986203 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986204 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986205 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064498 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2010 VA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24986206 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2010, prior to three (3) business days from transaction date of 06/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986231 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986232 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986233 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986234 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986235 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986236 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986237 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the application fee of $XXX and certified copy of trust agreement fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064376 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 IL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986238 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not or dated by borrower so cannot confirm that borrower received.          
275064419 XXX XXX XXX XXX UTD UTD Second Home 10/XX/2009 HI $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Credit Open   3 24986239 The Loan Purpose cannot be determined based on the documents in the loan file. Loan purpose of Cash Out Refinance was used to perform all applicable compliance testing.              
275064419 XXX XXX XXX XXX UTD UTD Second Home 10/XX/2009 HI $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986240 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064419 XXX XXX XXX XXX UTD UTD Second Home 10/XX/2009 HI $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986241 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
275064588 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 VT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986270 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064588 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 VT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986271 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064588 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 VT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986272 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064588 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 VT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986273 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275064588 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2009 VT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24986274 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Document Error General Credit Open   3 24986382 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986383 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986384 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24986385 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24986386 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24986387 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064549 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986388 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24986479 Missing Document: Missing Final 1003             Provide missing documentation
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986480 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986481 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986482 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986483 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986484 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064393 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2009 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986485 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064583 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2009 WI $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24986487 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064532 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986489 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064532 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986490 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lender TIL reflects MI drops off after 129 months, whereas the audited TIL reflects MI doesn't drop off until 136 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064532 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24986491 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24986651 Missing Document: Missing Final 1003             Provide missing documentation
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986652 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986653 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986654 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24986655 Missouri Late Charge Grace Period Testing Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24986656 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986657 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064408 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2008 MO $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24986658 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24986856 Missing Document: Missing Final 1003             Provide missing documentation
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986857 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986858 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986859 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986860 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064556 XXX XXX XXX XXX Purchase Primary 8/XX/2008 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24986861 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Document Error General Credit Open   3 24986862 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   1 24986863 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986864 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24986865 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. under disclosure due to variance in amount of MI collected. Itemization shows $XXX and HUD-1 shows $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Insurance Insurance Eligibility Credit Open   3 24986866 MI Monthly Premium Amount documented in file does not match the Prepaid Mortgage Insurance Premium amount per month collected on the HUD.              
275064523 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24986867 FHA MIP Error (Borrower Paid): Calculated Borrower paid FHA upfront premium of $XXX does not match the mortgage insurance premium collected on the HUD-1 of $XXX            
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24986998 Missing Document: Missing Final 1003             Provide missing documentation
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24986999 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987000 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987001 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987002 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987003 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064487 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987004 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24987031 Missing Document: Missing Final 1003             Provide missing documentation
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24987032 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24987033 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987034 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987035 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987036 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987037 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987038 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064276 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987039 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24987129 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987130 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987131 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987132 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987133 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is
not signed or dated by borrower so cannot confirm that borrower received.		          
275064570 XXX XXX XXX XXX Purchase Primary 4/XX/2008 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987134 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987388 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987389 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987390 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24987391 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24987392 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987393 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987394 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064575 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987395 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received.          
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24987609 Missing Document: Missing Final 1003             Provide missing documentation
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987610 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24987611 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24987612 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987613 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987614 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064407 XXX XXX XXX XXX Refinance Cash-out - Other UTD 12/XX/2007 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987615 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24987743 (Doc Error) TIL Error: Borrower signature not dated.              
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Insurance Insurance Documentation Credit Open   1 24987744 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987745 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987746 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987747 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064577 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987748 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24987774 Missing Document: Missing Final 1003             Provide missing documentation
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24987775 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987776 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24987777 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24987778 Maryland Property Insurance (Property Insurance Exceeds Replacement Value) Maryland HB649:  Property insurance exceeds the replacement value of the property.            
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987779 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987780 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064478 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987781 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24987797 Missing Document: Missing Final 1003             Provide missing documentation
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24987798 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24987799 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987800 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987801 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987802 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987803 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064398 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24987804 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24987874 Missing Document: Missing Final 1003             Provide missing documentation
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24987875 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24987876 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24987877 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987878 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987879 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24987880 Pennsylvania First Lien Late Charge Grace Period Testing Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987881 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064406 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2007 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987882 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064513 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987921 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064513 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987923 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064513 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24987924 (Doc Error) TIL Error: Borrower signature not dated.              
275064513 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2007 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24987925 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL.          
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24988066 Missing Document: Flood Certificate not provided             Provide missing documentation
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24988067 Missing Document: Missing Final 1003             Provide missing documentation
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988068 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988069 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988070 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 24988071 Missouri Late Charge Grace Period Testing Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988072 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988073 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988074 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988075 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988076 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064457 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 MO $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24988077 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988078 Missing Document: Missing Final 1003             Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988079 Missing Document: Flood Certificate not provided             Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988080 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988081 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988082 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988083 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988084 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988085 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988086 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064397 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988087 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988088 Missing Document: Missing Final 1003             Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988089 Missing Document: Flood Certificate not provided             Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24988090 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed or initialed by the borrower.          
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988091 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Compliance Open   2 24988092 (Doc Error) Loan was portrayed as first lien but found to be a second lien              
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988093 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   1 24988094 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988095 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988096 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988097 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988098 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988099 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988100 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988101 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 4.00000% exceeds the state maximum of 2%.            
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988102 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988103 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988104 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988105 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064514 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988106 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL.          
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988127 Missing Document: Missing Final 1003             Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988128 Missing Document: Flood Certificate not provided             Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988129 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988130 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988131 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988132 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988133 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988134 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Heloc not required         Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988135 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988136 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988137 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988138 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064394 XXX XXX XXX XXX UTD UTD UTD 9/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988139 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988148 Missing Document: Missing Final 1003             Provide missing documentation
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988149 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988150 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988151 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988152 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988153 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988154 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064281 XXX XXX XXX XXX Refinance Cash-out - Other UTD 9/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988155 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 TX $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24988176 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 TX $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Cleared 02/10/2022 1 24988177 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver.     (2022/XX/10): The issue cited has either been resolved or was determined to not be an exception as noted.  Embedded throughout the Deed of Trust is the language that supports we have disclosed and complied with Section 50(a)(6), Article XVI of the Texas Constitution.  Amongst other sections of the Note and DOT, please refer to sections: Governing law, Collateral, Home Equity Loan, Miscellaneous, and General Provisions to support compliance with Notice Concerning Extensions of Credit.  Please refer to Fees Limited section of the Note, and the HUD for documentation supporting we complied with disclosing applicable fees and charges.   Additionally, the last paragraph in the Note, the Deed of Trust, and/or the Voluntary Designation of Homestead executed acknowledges that copies were received of the documents and all disclosures required by Section 50(g), Article XVI of the Texas Constitution.     Supporting documents uploaded as #XXX_Compliance Documents_2/XX/2022   (2022/XX/10): Additional review the Home Equity Affidavit acknowledges receipt of Itemization 1 business day prior to closing. Exception cleared. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064445 XXX XXX XXX XXX Purchase Primary 8/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988378 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064445 XXX XXX XXX XXX Purchase Primary 8/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988379 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988368 Missing Document: Missing Final 1003             Provide missing documentation
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988369 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988370 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988371 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988372 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988373 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988374 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988375 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988376 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064468 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988377 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988447 Missing Document: Missing Final 1003             Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988448 Missing Document: Flood Certificate not provided             Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988449 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988450 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988451 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988452 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988453 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988454 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988455 New York Late Charge Grace Period Testing New York Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988456 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988457 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988458 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988459 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988460 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064467 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2007 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988461 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064444 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance State Compliance Compliance Open   2 24988475 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064444 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24988476 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064444 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24988477 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064444 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Loan Package Documentation Closing / Title Credit Open   2 24988478 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24988520 Missing Document: Missing Final 1003             Provide missing documentation
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988521 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988522 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/09/2022 1 24988523 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.         (2022/XX/09): HELOC Agreement includes Closing Costs and Fees section.  No fees included. Exception cleared.  
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/09/2022 1 24988524 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/09): Exception replaced. Provide missing documentation
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988525 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988526 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24988527 North Carolina First Lien Late Charge Grace Period Testing North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24988528 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275064384 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Reviewed with Exceptions 2022-02-09 17:47:51.000000 Compliance Federal Compliance Compliance Open   2 24988529 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064518 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988580 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064518 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988581 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064518 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988582 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064518 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Compliance Open   2 24988583 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064518 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988584 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064589 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24988599 Missing Document: Missing Final 1003             Provide missing documentation
275064589 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988600 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064589 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988601 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064589 XXX XXX XXX XXX Purchase Primary 6/XX/2007 MA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988602 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under-disclosure is fee related. Unable to be sourced due to missing the itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988628 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988629 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24988630 Missing Document: Missing Final 1003             Provide missing documentation
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988631 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988632 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988633 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988634 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988635 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064461 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988636 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064284 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-02-10 11:16:10.000000 Compliance Federal Compliance Compliance Open   3 24988688 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Material Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064578 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988685 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064578 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988686 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Compliance Open   2 24988689 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower          
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24988690 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.     (2022/XX/18): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp.  Loans in the above-mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents.  However, the HUD-1 must reflect that it is  Final , which it does. Supporting documentation uploaded as #XXX_Final HUD-1_2/XX/2022.   (2022/XX/18): Stamp from title company still required even in dry state. Provide missing documentation
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988691 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988692 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988693 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988694 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received          
275064567 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988695 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064515 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   1 24988730 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064515 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24988731 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988847 Missing Document: Missing Final 1003             Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988848 Missing Document: Flood Certificate not provided             Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24988849 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988850 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988851 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988853 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988854 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988855 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988856 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064559 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988857 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064566 XXX XXX XXX XXX Purchase Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988889 Missing Document: Flood Certificate not provided             Provide missing documentation
275064566 XXX XXX XXX XXX Purchase Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988890 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064566 XXX XXX XXX XXX Purchase Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   3 24988891 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064566 XXX XXX XXX XXX Purchase Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988892 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064566 XXX XXX XXX XXX Purchase Primary 5/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24988893 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064580 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988912 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064580 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988913 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064580 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988914 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064580 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988915 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received.          
275064525 XXX XXX XXX XXX Purchase Primary 4/XX/2007 IL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988916 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24988920 Missing Document: Missing Final 1003             Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988921 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988922 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988923 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988924 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988925 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24988926 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064387 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988927 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988974 Missing Document: Missing Final 1003             Provide missing documentation
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24988975 Missing Document: Flood Certificate not provided             Provide missing documentation
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24988976 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24988977 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24988978 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988979 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988980 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24988981 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988982 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064458 XXX XXX XXX XXX Refinance Cash-out - Other UTD 4/XX/2007 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24988983 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064519 XXX XXX XXX XXX Purchase Primary 3/XX/2007 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989086 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989087 Missing Document: Missing Final 1003             Provide missing documentation
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989088 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989089 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24989090 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24989091 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24989092 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989094 (Doc Error) Initial GFE not provided              
275064558 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2007 MI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989095 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989097 Missing Document: Missing Final 1003             Provide missing documentation
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989098 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989099 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989100 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989101 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064460 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989102 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24989103 Missing Document: Missing Final 1003             Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989104 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989105 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989106 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24989107 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.         (2022/XX/28): The issue cited has either been resolved or was determined to not be an exception as noted. This loan closed under the  Equity Maximizer program which is an open-end line of credit (HELOC).  For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Please note the initial disclosure was not required to be signed and indicates the Bank will pay all closing costs up to $XXX with some exceptions. Supporting documents have been uploaded as: #XXX_Compliance Documents_02/XX/2022.

(2022/XX/28): Disbursement Sheet from origination not received. Exception remains.		  
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989108 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989109 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989110 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989111 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989112 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064429 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2007 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989113 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24989290 Missing Document: Missing Final 1003             Provide missing documentation
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989291 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989292 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989293 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989294 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989295 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989296 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989297 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064476 XXX XXX XXX XXX UTD UTD UTD 1/XX/2007 NV $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989298 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24989299 Missing Document: Missing Final 1003             Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24989300 Missing Document: Flood Certificate not provided             Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989301 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989302 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989303 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989304 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989305 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989306 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989307 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24989308 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989309 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064482 XXX XXX XXX XXX Refinance Cash-out - Other UTD 1/XX/2007 VA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989310 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989329 Missing Document: Missing Final 1003             Provide missing documentation
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989330 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989331 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989332 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989333 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989334 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989335 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064452 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2007 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989336 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989361 (Doc Error) TIL Error: Borrower signature not dated.              
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989362 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989363 (Doc Error) Security Instrument Error: Notary Date was not provided              
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989364 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989365 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989366 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064551 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24989367 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989371 Missing Document: Missing Final 1003             Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989372 Missing Document: Flood Certificate not provided             Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989373 (Doc Error) Initial GFE not provided              
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989374 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989375 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989376 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989377 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989378 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Credit Open   2 24989379 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064576 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989380 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064584 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989392 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064584 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989393 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064584 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989394 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064584 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989395 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064584 XXX XXX XXX XXX Purchase Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989396 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is
not signed or dated by borrower so cannot confirm that borrower received.		          
275064277 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989414 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064277 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989415 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064277 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989416 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL reflected MI dropping off after 128 months and audit reflects MI dropping off after 141 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064277 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989417 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064521 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 12/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989418 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064565 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989419 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24989465 Missing Document: Missing Final 1003             Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989466 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989467 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989468 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989469 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989470 TILA HELOC - Billing Rights Disclosure Missing  Unable to test billing rights due to missing information.           Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989471 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989472 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989473 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064466 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989474 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989485 Missing Document: Missing Final 1003             Provide missing documentation
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989486 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989487 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989488 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989489 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989490 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989491 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064426 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989492 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989493 (Doc Error) TIL Error: Borrower signature not dated.              
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989494 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24989495 Virginia Tangible Net Benefit Test Virginia Mortgage Lender and Broker Act:  Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.            
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989496 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989497 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL.          
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989498 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989499 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989500 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064446 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989501 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Loan Package Documentation Loan File Compliance Cleared 02/25/2022 1 24989583 (Missing Doc) Incomplete loan images/file   Status is Missing.  File does not include documentation for the subject loan. File contains Servicing documentation but  does not contain Legal or Compliance documents for the subject.       (2022/XX/25): HELOC agreement received. Exception cleared

(2022/XX/25): The issue cited has either been resolved or was determined to not be an exception as noted.  See executed Note (TIL is embedded within the note language), Mortgage, in lieu of HUD1 (executed Disbursement Authorization along with the Initial Disclosure Statement indicating no fees were charged), and other disclosures. Missing document uploaded as Loan# 876025531_Note, Mortgage, and Other Compliance Documents_2/XX/2022.		 Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24989584 Missing Document: Missing Final 1003             Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Loan Package Documentation Closing / Title Credit Cleared 02/25/2022 1 24989585 Missing Document: Security Instrument - Subject Lien not provided           (2022/XX/25): Security Instrument Received. Exception cleared. Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989586 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Miscellaneous Compliance Compliance Cleared 02/25/2022 1 24989587 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.           (2022/XX/25): Upon further review of trailing documents, occupancy has been verified. Exception cleared  
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989588 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Open   2 24989589 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Open   2 24989590 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Open   2 24989591 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24989592 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         (2022/XX/25): RTC provided. Exception cleared.  
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24989593 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2022/XX/25): RTC provided. Exception cleared. Provide missing documentation
275064465 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 17:36:54.000000 Compliance Federal Compliance Compliance Open   2 24989594 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24989696 Missing Document: Missing Final 1003             Provide missing documentation
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989697 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989698 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989699 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989700 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989701 TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances.            
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989702 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064427 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989703 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24989759 Missing Document: Missing Final 1003             Provide missing documentation
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989760 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989761 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989762 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24989763 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989764 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064381 XXX XXX XXX XXX Refinance UTD Primary 10/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989765 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24989798 Missing Document: Missing Final 1003             Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24989799 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24989800 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989801 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989802 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989803 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24989804 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064428 XXX XXX XXX XXX Refinance Cash-out - Other UTD 10/XX/2006 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24989805 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989815 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989816 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989817 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989818 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989819 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989820 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989821 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064547 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989822 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064271 XXX XXX XXX XXX Purchase Primary 9/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24989866 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower          
275064271 XXX XXX XXX XXX Purchase Primary 9/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989867 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064271 XXX XXX XXX XXX Purchase Primary 9/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989868 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064271 XXX XXX XXX XXX Purchase Primary 9/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24989869 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24990007 Missing Document: Missing Final 1003             Provide missing documentation
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990008 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990009 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990010 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990011 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990012 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990013 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990014 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064414 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 OK $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990015 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064548 XXX XXX XXX XXX Purchase Primary 8/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990156 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064548 XXX XXX XXX XXX Purchase Primary 8/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990157 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064548 XXX XXX XXX XXX Purchase Primary 8/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990158 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064548 XXX XXX XXX XXX Purchase Primary 8/XX/2006 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24990159 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24990160 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990161 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990162 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Credit Open   3 24990163 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $XXX does not match Calculated P&I of $XXX Daily Simple Interest         Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24990164 Missing Document: Missing Final 1003             Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24990165 Missing Document: Flood Certificate not provided             Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990166 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990167 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990168 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24990169 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24990170 Massachusetts Late Charge Percent Testing Massachusetts Late Charge: Note late charge percent of 4.00000% exceeds the state maximum of 3%.            
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990172 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990173 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990174 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064537 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990175 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24990226 Missing Document: Missing Final 1003             Provide missing documentation
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990227 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990228 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990229 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990230 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990231 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990232 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990233 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990234 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064399 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990235 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064526 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990259 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064526 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990260 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064526 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990261 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064526 XXX XXX XXX XXX Purchase Primary 6/XX/2006 NM $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24990262 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064586 XXX XXX XXX XXX Purchase Primary 7/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24990263 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Loan File Compliance Cleared 02/25/2022 1 24990281 (Missing Doc) Incomplete loan images/file   Status is Missing.  File does not include documentation for the subject loan. File contains Servicing documentation but  does not contain Legal or Compliance documents for the subject.       (2022/XX/25): HELOC agreement received, Exception cleared

(2022/XX/07): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX_Origination Docs_2/XX/22		 Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Application / Processing Credit Open   1 24990282 Missing Document: Missing Final 1003             Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Loan Package Documentation Closing / Title Credit Cleared 03/07/2022 1 24990283 Missing Document: Security Instrument - Subject Lien not provided           (2022/XX/07): Security Instrument received. Exception cleared. Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990284 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Miscellaneous Compliance Compliance Cleared 02/25/2022 1 24990285 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.           (2022/XX/25): Note/HELOC agreement received. Occupancy confirmed. Exception cleared.  
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990286 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24990287 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24990288 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24990289 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance State Compliance Compliance Open   2 24990290 North Carolina First Lien Late Charge Grace Period Testing North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance State Compliance Compliance Open   2 24990291 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Cleared 03/07/2022 1 24990292 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         (2022/XX/07): Trailing documents received. Exception cleared.  
275064470 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Reviewed with Exceptions 2022-02-25 17:34:37.000000 Compliance Federal Compliance Compliance Open   2 24990293 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990334 Missing Document: Missing Final 1003             Provide missing documentation
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990335 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990336 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990337 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990338 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24990339 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990340 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990341 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990342 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   3 24990343 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
275064389 XXX XXX XXX XXX UTD UTD UTD 6/XX/2006 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990344 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24990429 Missing Document: Missing Final 1003             Provide missing documentation
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990430 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990431 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990432 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990433 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990434 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064422 XXX XXX XXX XXX Refinance Cash-out - Other UTD 5/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990435 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064557 XXX XXX XXX XXX Purchase Primary 5/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24990458 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064557 XXX XXX XXX XXX Purchase Primary 5/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990459 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064557 XXX XXX XXX XXX Purchase Primary 5/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990460 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064431 XXX XXX XXX XXX Purchase Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance State Compliance Compliance Open   2 24990471 California Prepayment Penalty ARM Test California Prepayment Penalty:  Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.            
275064431 XXX XXX XXX XXX Purchase Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance State Compliance Compliance Open   2 24990472 California Prepayment Penalty Test California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable.  Prepay may be impermissible depending on the lender's license type.            
275064431 XXX XXX XXX XXX Purchase Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24990473 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064431 XXX XXX XXX XXX Purchase Primary 5/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24990474 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24990620 Missing Document: Missing Final 1003             Provide missing documentation
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990621 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990622 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24990623 Maryland Property Insurance (Property Insurance Exceeds Replacement Value) Maryland HB649:  Property insurance exceeds the replacement value of the property.            
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990624 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990625 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990626 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064456 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 MD $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance State Compliance Compliance Open   2 24990627 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Closing / Title Credit Open   3 24990631 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24990632 Missing Document: Missing Final 1003             Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24990633 Missing Document: Flood Certificate not provided             Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990634 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990635 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990636 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990637 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990638 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24990639 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990640 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064480 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 KS $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24990641 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064504 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24990674 Missing Document: Flood Certificate not provided             Provide missing documentation
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24990676 Missing Document: Missing Final 1003             Provide missing documentation
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990677 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990678 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990679 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990680 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990681 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064378 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24990682 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24990697 Missing Document: Missing Final 1003             Provide missing documentation
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990698 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990699 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990700 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990701 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990702 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064410 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990703 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990798 Missing Document: Missing Final 1003             Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990799 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990800 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990801 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990802 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990803 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990804 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990805 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990806 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064453 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990807 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990808 Missing Document: Missing Final 1003             Provide missing documentation
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990809 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990810 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990811 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24990812 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990813 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990814 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990815 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064455 XXX XXX XXX XXX UTD UTD Primary 3/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990816 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24990848 Missing Document: Flood Certificate not provided             Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24990849 Missing Document: Missing Final 1003             Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990850 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990851 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990853 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990854 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990855 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 24990856 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 24990857 Massachusetts Open End Late Charge Grace Period Testing Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 24990858 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990859 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064417 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24990860 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990872 Missing Document: Missing Final 1003             Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990873 Missing Document: Flood Certificate not provided             Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990874 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990875 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990876 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990877 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990878 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990879 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24990880 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990881 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064434 XXX XXX XXX XXX Refinance Cash-out - Other UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990882 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990941 Missing Document: Flood Certificate not provided             Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990942 Missing Document: Missing Final 1003             Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24990943 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24990944 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990945 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990946 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24990947 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990948 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990949 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990950 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990951 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990952 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064464 XXX XXX XXX XXX UTD UTD UTD 2/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990953 TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances.            
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24990963 Missing Document: Missing Final 1003             Provide missing documentation
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24990964 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24990965 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2022/XX/25): HELOC Agreement received. Exception cleared.  
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24990966 TILA HELOC - Impermissible Demand Feature Truth in Lending Act (HELOC): HELOC Mortgage loan contains an impermissible demand feature.         (2022/XX/25): HELOC Agreement received. Exception cleared.  
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24990967 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.         (2022/XX/25): HELOC Agreement received. Exception cleared.

(2022/XX/25): The issue cited has either been resolved or was determined to not be an exception as noted. This loan closed under the  Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank agreed to pay all closing costs up to $XXX with some exceptions. This is evidenced by the closing instructions which break down the fees associated with the loan and confirm that the fees were paid by the bank.   Supporting documents uploaded as #XXX_Compliance docs_2/XX/2022		  
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/25/2022 1 24990968 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/25): Replacing exception. Provide missing documentation
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990969 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 18:06:23.000000 Compliance Federal Compliance Compliance Open   2 24990970 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064386 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Reviewed with Exceptions 2022-02-25 18:06:23.000000 Compliance Federal Compliance Compliance Open   2 24990971 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064279 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2006 CA $XXX Reviewed with Exceptions 2022-01-18 15:35:38.000000 Compliance Federal Compliance Compliance Open   2 24991010 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064380 XXX XXX XXX XXX Purchase Primary 1/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990991 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064380 XXX XXX XXX XXX Purchase Primary 1/XX/2006 VA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24990992 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991048 Missing Document: Missing Final 1003             Provide missing documentation
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991049 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991050 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991051 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991052 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24991053 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991054 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991055 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991056 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064430 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991057 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064569 XXX XXX XXX XXX Purchase Primary 1/XX/2006 WA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991070 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064569 XXX XXX XXX XXX Purchase Primary 1/XX/2006 WA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991071 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Closing Instructions indicate the Index used was 3.326%. The lowest Index available within the look-back period is 3.47833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064569 XXX XXX XXX XXX Purchase Primary 1/XX/2006 WA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991072 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064581 XXX XXX XXX XXX Purchase Primary 12/XX/2005 WI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24991162 Missing Document: Missing Final 1003             Provide missing documentation
275064581 XXX XXX XXX XXX Purchase Primary 12/XX/2005 WI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991163 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064581 XXX XXX XXX XXX Purchase Primary 12/XX/2005 WI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991164 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064581 XXX XXX XXX XXX Purchase Primary 12/XX/2005 WI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991165 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064581 XXX XXX XXX XXX Purchase Primary 12/XX/2005 WI $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991166 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991167 Missing Document: Missing Final 1003             Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991168 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991169 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991170 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24991171 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991172 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991173 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24991174 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/08): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the  Equity Maximizer Agreement Disclosure Statement  which states that initial index is 7.000% and margin is 0.000%.  This equates to an initial rate of 7.000%.  The  Equity Maximizer Agreement Disclosure Statement  also states that APR is 7.000%, which is the same as the initial rate.  This means that there were no other fees/costs at account opening.  Otherwise, the APR would be higher than 7.000%.  In addition, the  Equity Maximizer Agreement Disclosure Statement  also states  The ANNUAL PERCENTAGE RATE includes only interest and no other costs.    As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/08): Not cleared. Disclosure Statement/Fee breakdown within HELOC Agreement has not been provided.  
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991175 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064396 XXX XXX XXX XXX Refinance UTD Primary 12/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24991176 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064442 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991199 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064442 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991200 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064442 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991201 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064443 XXX XXX XXX XXX Refinance Cash-out - Other Investment 11/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991211 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064443 XXX XXX XXX XXX Refinance Cash-out - Other Investment 11/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 24991212 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 10/XX/2005 Condo (Mid Rise)            
275064379 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Insurance Insurance Documentation Credit Open   1 24991415 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064379 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991416 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064379 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991417 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064379 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991418 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991438 Missing Document: Missing Final 1003             Provide missing documentation
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991439 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991440 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991441 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991442 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991443 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064282 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991444 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991519 Missing Document: Missing Final 1003             Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991520 Missing Document: Flood Certificate not provided             Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991521 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991522 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991523 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991524 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991525 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991527 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991528 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991529 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24991530 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064385 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991531 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064283 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991536 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064283 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991537 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064283 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance State Compliance Compliance Open   2 24991538 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064283 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991539 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991564 Missing Document: Missing Final 1003             Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991565 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991566 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/28/2022 1 24991567 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2022/XX/28): Clearing after re-review.  
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991568 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/28/2022 1 24991569 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.         (2022/XX/28): Disbursement Sheet received.

(2022/XX/28): The issue cited has either been resolved or was determined to not be an exception as noted. This loan closed under the  Equity Maximizer program which is an open-end line of credit (HELOC).  For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Please note the initial disclosure was not required to be signed and indicates the Bank will pay all closing costs up to $XXX with some exceptions. We have located the Specific Closing Instructions which verified all costs were paid by the Bank. Additionally, we have provided a copy of the executed Disbursement Request and Authorization indicating the full credit limit of $XXX was undisbursed at closing which supports that no closing cost fees were charged to the borrower. Supporting documents have been uploaded as #XXX_Compliance Documentation_02/XX/2022.		  
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991570 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 02/28/2022 1 24991571 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/28): Exception replaced. Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991572 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Borrower did not date the signature line.         Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-02-28 23:03:24.000000 Compliance Federal Compliance Compliance Open   2 24991573 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064473 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-02-28 23:03:24.000000 Compliance Federal Compliance Compliance Open   2 24991574 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064545 XXX XXX XXX XXX Refinance Cash-out - Other Investment 8/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991593 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064545 XXX XXX XXX XXX Refinance Cash-out - Other Investment 8/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991594 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991601 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991602 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991603 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991604 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991605 (Doc Error) Initial GFE not provided              
275064587 XXX XXX XXX XXX Purchase Primary 7/XX/2005 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991606 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064582 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991616 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064582 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991617 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064582 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991618 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064582 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991619 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064582 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-11 17:13:21.000000 Compliance Federal Compliance Compliance Open   2 24991620 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064585 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24991677 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064585 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991678 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064585 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991679 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064585 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24991680 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Material Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. HUD line 1302 Funds Held for Clearance.by Closing Agent.   (2022/XX/10): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as #XXX_Final HUD1_2/XX/2022   (2022/XX/10): Not cleared.  HUD provided includes Funds held. Exception remains as Estimated HUD. Provide missing documentation
275064585 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991681 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the $XXX held funds as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064536 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991707 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064536 XXX XXX XXX XXX Purchase Primary 6/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991708 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064512 XXX XXX XXX XXX Purchase Primary 6/XX/2005 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 24991751 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064512 XXX XXX XXX XXX Purchase Primary 6/XX/2005 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991752 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064512 XXX XXX XXX XXX Purchase Primary 6/XX/2005 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991753 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064512 XXX XXX XXX XXX Purchase Primary 6/XX/2005 TX $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991754 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is
not signed or dated by borrower so cannot confirm that borrower received.		          
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24991778 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX).            
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991779 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991780 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991781 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991782 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064449 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2005 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991783 (Doc Error) Initial GFE not provided              
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24991795 Missing Document: Missing Final 1003             Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991796 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   3 24991797 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991798 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991799 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991800 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991801 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991802 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991803 (Doc Error) Initial GFE not provided              
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991804 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064527 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 MO $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Credit Open   2 24991805 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24991848 Missing Document: Missing Final 1003             Provide missing documentation
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991849 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991850 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991851 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991852 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991853 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991854 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991855 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064383 XXX XXX XXX XXX UTD UTD UTD 6/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991856 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064506 XXX XXX XXX XXX Purchase Primary 5/XX/2005 NV $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24991857 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064506 XXX XXX XXX XXX Purchase Primary 5/XX/2005 NV $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24991858 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991932 Missing Document: Missing Final 1003             Provide missing documentation
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24991933 Missing Document: Flood Certificate not provided             Provide missing documentation
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991934 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991935 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991936 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991937 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24991938 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991939 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064280 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24991940 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24991989 Missing Document: Missing Final 1003             Provide missing documentation
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24991990 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24991991 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991992 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991993 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991994 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24991995 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064382 XXX XXX XXX XXX UTD UTD UTD 5/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24991996 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064375 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24992025 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064375 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24992026 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064375 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 24992027 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064375 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24992028 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24992083 Missing Document: Missing Final 1003             Provide missing documentation
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24992084 Missing Document: Flood Certificate not provided             Provide missing documentation
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992085 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24992086 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24992087 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992088 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24992089 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24992090 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/08): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the  Equity Maximizer Agreement Disclosure Statement  which states that initial index is 5.750% and margin is 0.00%.  This equates to an initial rate of 5.750%.  The  Equity Maximizer Agreement Disclosure Statement  also states that APR is 5.75%, which is the same as the initial rate.  This means that there were no other fees/costs at account opening.  Otherwise, the APR would be higher than 5.750%.  In addition, the  Equity Maximizer Agreement Disclosure Statement  also states  The ANNUAL PERCENTAGE RATE includes only interest and no other costs.    As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/08): Not cleared. Disclosure Statement/Fee breakdown within HELOC Agreement has not been provided.  
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24992091 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064395 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 GA $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24992092 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24992160 Missing Document: Missing Final 1003             Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24992161 Missing Document: Flood Certificate not provided             Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992162 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24992163 (Doc Error) Initial GFE not provided              
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992164 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992165 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992166 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24992167 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992168 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064528 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2005 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992169 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24992190 Missing Document: Missing Final 1003             Provide missing documentation
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992191 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992192 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992193 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992194 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992195 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992196 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24992197 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24992198 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24992199 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24992200 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064463 XXX XXX XXX XXX Refinance Cash-out - Other UTD 3/XX/2005 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992201 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064448 XXX XXX XXX XXX Purchase Primary 1/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992468 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064448 XXX XXX XXX XXX Purchase Primary 1/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992469 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064448 XXX XXX XXX XXX Purchase Primary 1/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992470 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064448 XXX XXX XXX XXX Purchase Primary 1/XX/2005 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992471 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064374 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992527 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064374 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992528 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064374 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992529 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064374 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 AZ $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992530 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064568 XXX XXX XXX XXX Purchase Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   1 24992542 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064568 XXX XXX XXX XXX Purchase Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992543 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064568 XXX XXX XXX XXX Purchase Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992544 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064568 XXX XXX XXX XXX Purchase Primary 12/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992545 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24992663 Missing Document: Missing Final 1003             Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992664 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24992665 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992666 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992667 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992668 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992669 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992670 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992671 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064497 XXX XXX XXX XXX UTD UTD UTD 11/XX/2004 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992672 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992690 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992691 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24992692 Missing Document: Missing Final 1003             Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992693 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992694 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992695 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992696 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   3 24992697 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24992698 New Jersey Prepayment Penalty New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992699 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24992700 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064492 XXX XXX XXX XXX Refinance Cash-out - Other UTD 11/XX/2004 NJ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992701 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064574 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24992757 (Doc Error) Initial GFE not provided              
275064574 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24992758 Missing Document: Missing Final 1003             Provide missing documentation
275064574 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992759 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064574 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992760 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064574 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992761 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064505 XXX XXX XXX XXX Purchase Primary 9/XX/2004 PA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992921 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24992922 Missing Document: Missing Final 1003             Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992923 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992924 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992925 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992926 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992927 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992928 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24992929 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)            
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992930 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064390 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24992931 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24992932 Missing Document: Missing Final 1003             Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24992933 Missing Document: Flood Certificate not provided             Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24992934 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24992935 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992937 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992938 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064425 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992939 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064377 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992987 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064377 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992988 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064377 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24992989 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064441 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993001 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064441 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993002 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064441 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993003 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064441 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993004 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064529 XXX XXX XXX XXX Purchase UTD 8/XX/2004 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24993005 Missing Document: Missing Final 1003             Provide missing documentation
275064529 XXX XXX XXX XXX Purchase UTD 8/XX/2004 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Credit Open   2 24993006 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064529 XXX XXX XXX XXX Purchase UTD 8/XX/2004 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24993007 (Doc Error) Initial GFE not provided              
275064529 XXX XXX XXX XXX Purchase UTD 8/XX/2004 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24993008 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064529 XXX XXX XXX XXX Purchase UTD 8/XX/2004 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993009 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24993060 Missing Document: Missing Final 1003             Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Credit Open   3 24993061 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993062 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993063 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24993064 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/10): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the   Equity Credit Line Agreement and Disclosure Statement  which states that initial index is 4.250% and margin is 0.750%.  This equates to an initial rate of 5.000%.  The   Equity Credit Line Agreement and Disclosure Statement  also states that APR is 5.000%, which is the same as the initial rate.  This means that there were no other fees/costs at account opening.  Otherwise, APR would be higher than 5.000%.  In addition, the  Equity Credit Line Agreement and Disclosure Statement  also states  The ANNUAL PERCENTAGE RATE includes only interest and no other costs.    As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as #XXX_Compliance Documents_02/XX/2022.   (2022/XX/10): The HELOC Agreement does not include a disclosure of fees/no fees and the file is missing documentation evidencing whether there were any fees imposed by the creditor or third parties, therefore compliance testing cannot be completed and exception remains. The rebuttal states that the APR matched the interest rate, however this does not support that the loan had no fees or costs. Per 1026.14(b), the annual percentage rate is determined by multiplying the periodic rate by the number of periods in the year. This computation reflects the fact that, in such disclosures, the rate (known as the corresponding annual percentage rate) is prospective and does not involve any particular finance charge or periodic balance. Unlike the Annual Percentage Rate (APR) calculation for closed-end transactions, the APR for HELOCs does not include costs other than interest. Therefore, a review of the HELOC APR will not indicate whether there were any fees imposed by the creditor or third parties.  Also note that certain regulation's definition of points and fees extend beyond finance charges and would therefore include points and fees that may not necessarily be APR impacting, therefore, we cannot rely on APR on a open or closed end transaction as a determination of whether or not fees were charged on the subject transaction.  
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993065 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993066 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993067 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993068 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993069 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993070 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064469 XXX XXX XXX XXX Refinance UTD Primary 7/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993071 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24993259 Missing Document: Missing Final 1003             Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993260 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993261 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993262 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993263 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993264 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064462 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 WA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993265 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Disclosure Missing Document Credit Open   3 24993312 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993313 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993314 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL payment stream reflects termination of PMI after 76 months.  Calculated PMI duration is 80 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993315 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24993316 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064572 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24993317 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24993580 Missing Document: Missing Final 1003             Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24993581 Missing Document: Flood Certificate not provided             Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993582 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993583 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993584 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993585 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993586 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993587 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993588 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064391 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NH $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993589 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24993598 Missing Document: Missing Final 1003             Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24993599 Missing Document: Flood Certificate not provided             Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993600 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24993601 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993602 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993603 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993604 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993605 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993606 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993607 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993608 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064409 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24993609 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Loan Package Documentation Loan File Compliance Cleared 01/31/2022 1 24993721 (Missing Doc) Incomplete loan images/file   File only contains Mortgage. Compliance testing not completed.       (2022/XX/31): Note/HELOC Agreement provided. Exception cleared. Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Loan Package Documentation Application / Processing Credit Open   1 24993722 Missing Document: Missing Final 1003             Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993724 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Compliance Miscellaneous Compliance Compliance Cleared 01/31/2022 1 24993725 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.           (2022/XX/31): Cleared HELOC Agreement provided.  
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Loan Package Documentation Closing / Title Compliance Cleared 01/31/2022 1 24993726 Missing Document: Note - Subject Lien not provided           (2022/XX/31): HELOC Agreement provided. Exception cleared. Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Compliance Miscellaneous Compliance Compliance Cleared 01/31/2022 1 24993727 (Doc Error) Initial GFE not provided           (2022/XX/31): HELOC Agreement provided.  
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993728 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Loan Package Documentation Closing / Title Compliance Cleared 01/31/2022 1 24993729 TILA - Final TIL Missing           (2022/XX/31): HELOC Agreement provided. Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-19 06:17:54.000000 Loan Package Documentation Closing / Title Compliance Cleared 01/31/2022 1 24993730 Missing Final HUD-1           (2022/XX/31): HELOC loan type with HELOC Agreement provided. Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993731 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993732 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993733 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993734 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993735 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance State Compliance Compliance Open   2 24993736 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.            
275064479 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2004 CT $XXX Reviewed with Exceptions 2022-01-31 11:02:56.000000 Compliance Federal Compliance Compliance Open   2 24993737 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24993905 Missing Document: Missing Final 1003             Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24993906 Missing Document: Flood Certificate not provided             Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993907 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24993908 (Doc Error) Initial GFE not provided              
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993909 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993910 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993911 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993912 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24993913 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064560 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2003 OR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Closing / Title Credit Open   3 24993914 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I             Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24993915 Missing Document: Missing Final 1003             Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24993916 Missing Document: Flood Certificate not provided             Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24993917 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24993918 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24993919 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 03/02/2022 1 24993920 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2022/XX/02): The HELOC Agreement did not have a fee section or reference lender paid fees and the file did not include a HUD, however the "Fees and Charges" section of the Boarding Data Sheet lists no fees. Exception cleared  
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993921 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993922 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 03/02/2022 1 24993923 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/02): The issue cited has either been resolved or was determined to not be an exception as noted. This loan closed under the  Equity Maximizer program which is an open-end line of credit (HELOC).  For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank agreed to pay all closing costs up to $XXX with some exceptions. This is evidenced by the closing instructions which break down the fees associated with the loan and confirm that the fees were paid by the bank.   Supporting documentation uploaded as #XXX_Compliance Docs_document_2/XX/2022   (2022/XX/02): The HELOC Agreement did not have a fee section or reference lender paid fees and the file did not include a HUD, however the "Fees and Charges" section of the Boarding Data Sheet lists no fees. Exception cleared  
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993924 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993926 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24993927 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064392 XXX XXX XXX XXX UTD UTD UTD 9/XX/2003 AZ $XXX Reviewed with Exceptions 2022-03-02 13:20:02.000000 Compliance Federal Compliance Compliance Open   2 24993928 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24994065 Missing Document: Missing Final 1003             Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994066 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994067 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994068 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994069 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994070 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994071 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994072 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994073 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24994074 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064472 XXX XXX XXX XXX Refinance Cash-out - Other UTD 7/XX/2003 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994075 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24994137 Missing Document: Missing Final 1003             Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Closing / Title Credit Open   3 24994138 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994139 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994140 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994141 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   3 24994142 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994143 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994144 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994145 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994146 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994147 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064481 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2003 AR $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24994148 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064274 XXX XXX XXX XXX Purchase Primary 4/XX/2003 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Disclosure Missing Document Credit Open   3 24994188 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064274 XXX XXX XXX XXX Purchase Primary 4/XX/2003 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994189 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064274 XXX XXX XXX XXX Purchase Primary 4/XX/2003 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994190 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994191 Missing Document: Missing Final 1003             Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994192 Missing Document: Flood Certificate not provided             Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994193 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994194 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994195 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994196 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994197 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994198 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994199 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994200 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064493 XXX XXX XXX XXX UTD UTD UTD 4/XX/2003 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994201 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994242 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994243 (Doc Error) Initial GFE not provided              
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Disclosure Missing Document Credit Open   3 24994244 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994245 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994246 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994247 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994248 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24994249 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24994250 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064571 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2003 MD $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Government Documentation Credit Open   3 24994251 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994435 Missing Document: Missing Final 1003             Provide missing documentation
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994436 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994437 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994438 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994439 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064477 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 FL $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994440 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24994590 Missing Document: Missing Final 1003             Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Credit Open   3 24994591 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994592 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994593 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994594 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 03/03/2022 1 24994595 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2022/XX/03): The HELOC Agreement did not have a fee section or reference lender paid fees and the file did not include a HUD, however the "Fees and Charges" section of the Boarding Data Sheet lists no fees. Exception cleared  
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Cleared 03/03/2022 1 24994596 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. File documentation included the  Equity CreditLine Agreement & Disclosure Statement dated 06/XX/2002, which did not identify any specific fees or charges to the Borrower due at loan closing. This is evidenced by two documents identified as the Disbursement Authorization (executed by Borrower) and the Boarding Data Sheet; neither document reflected any fees or charges to the Borrower on this loan. As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/03): The HELOC Agreement did not have a fee section or reference lender paid fees and the file did not include a HUD, however the "Fees and Charges" section of the Boarding Data Sheet lists no fees. Exception cleared  
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994597 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994599 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994600 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994601 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064474 XXX XXX XXX XXX UTD UTD UTD 6/XX/2002 TN $XXX Reviewed with Exceptions 2022-03-03 16:30:21.000000 Compliance Federal Compliance Compliance Open   2 24994602 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994616 Missing Document: Missing Final 1003             Provide missing documentation
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994617 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994618 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994619 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994620 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994621 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994622 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064421 XXX XXX XXX XXX UTD UTD UTD 5/XX/2002 MA $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994623 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24994655 Missing Document: Missing Final 1003             Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994656 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994657 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994658 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Closing / Title Credit Open   3 24994659 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994660 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994661 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994662 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24994663 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.     (2022/XX/08): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the  Equity CreditLine Agreement Disclosure Statement  which states that initial index is 4.750% and margin is 0.00%.  This equates to an initial rate of 4.750%.  The  Equity CreditLine Agreement Disclosure Statement  also states that APR is 4.75%, which is the same as the initial rate.  This means that there were no other fees/costs at account opening.  Otherwise, the APR would be higher than 4.750%.  In addition, the  Equity CreditLine Agreement Disclosure Statement  also states  The ANNUAL PERCENTAGE RATE includes only interest and no other costs.    As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/08): Not cleared. Disclosure Statement/Fee breakdown within HELOC Agreement has not been provided.  
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994664 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994665 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994666 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24994667 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance State Compliance Compliance Open   2 24994668 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994669 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064388 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 MD $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994670 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24994719 Missing Document: Missing Final 1003             Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994720 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994721 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994722 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994723 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994724 TILA HELOC - Billing Rights Disclosure Missing  Unable to test billing rights due to missing information.           Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994725 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994726 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994727 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994728 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064435 XXX XXX XXX XXX Refinance UTD UTD 3/XX/2002 GA $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994729 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994738 Missing Document: Missing Final 1003             Provide missing documentation
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24994739 Missing Document: Flood Certificate not provided             Provide missing documentation
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Insurance Insurance Documentation Credit Open   1 24994740 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994741 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994742 (Doc Error) Initial GFE not provided              
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24994743 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994744 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994745 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994746 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064450 XXX XXX XXX XXX Purchase UTD 1/XX/2002 AR $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24994747 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24994929 Missing Document: Missing Final 1003             Provide missing documentation
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24994930 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24994931 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994932 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994933 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064475 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2001 NC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24994934 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24995026 Missing Document: Missing Final 1003             Provide missing documentation
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24995027 Missing Document: Flood Certificate not provided             Provide missing documentation
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995028 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995029 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995030 (Doc Error) Initial GFE not provided              
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995031 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995032 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995033 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995034 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064278 XXX XXX XXX XXX Purchase UTD 1/XX/2001 TX $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995035 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24995156 Missing Document: Missing Final 1003             Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995157 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995158 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24995159 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995160 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995161 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995162 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995163 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995164 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995165 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064454 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2000 NY $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance State Compliance Compliance Open   2 24995166 New York Prepayment Penalty New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 9.50000% contracts for a prepay term of 24 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24995174 Missing Document: Missing Final 1003             Provide missing documentation
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995175 (Doc Error) Initial GFE not provided              
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995177 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995178 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995179 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995180 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995181 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995182 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064447 XXX XXX XXX XXX Purchase UTD 6/XX/2000 NC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995183 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an attorney fee of $XXX as a prepaid finance charge. Unable to determine remaining under disclosed amount of $XXX due to missing amortization schedule from file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24995322 Missing Document: Missing Final 1003             Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24995323 Missing Document: Flood Certificate not provided             Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995324 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995325 (Doc Error) Initial GFE not provided              
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995326 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24995327 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995328 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24995329 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995330 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2000 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995331 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995332 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995333 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 8.60600% is underdisclosed from calculated APR of 9.88610% outside of 0.250% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995334 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to lender used index lower than available in look back         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064432 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 SC $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995335 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24995336 Missing Document: Missing Final 1003             Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Loan Package Documentation Application / Processing Credit Open   1 24995337 Missing Document: Flood Certificate not provided             Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995338 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995339 TILA HELOC - Billing Rights Disclosure Missing  Unable to test billing rights due to missing information.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995340 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995341 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995342 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995343 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995344 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995345 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995346 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24995347 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064459 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 SC $XXX Reviewed with Exceptions 2022-01-09 16:20:23.000000 Compliance Federal Compliance Compliance Open   2 24995348 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Application / Processing Credit Open   1 24995349 Missing Document: Missing Final 1003             Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Application / Processing Credit Open   1 24995350 Missing Document: Flood Certificate not provided             Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   3 24995351 APR Missing Unable to determine if Rate testing is accurate due to missing information.     (2022/XX/10): The issue cited has either been resolved or was determined to not be an exception as noted. The Note dated 07/XX/1999 disclosed the APR for the loan of 7.826% and uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/10): Note provided Incomplete. Exception remains. Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   2 24995352 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   3 24995353 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   2 24995354 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   2 24995355 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   2 24995356 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Federal Compliance Compliance Open   2 24995357 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995358 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995359 (Doc Error) Initial GFE not provided              
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995360 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24995361 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Closing / Title Compliance Open   3 24995362 Missing Document: Note - Subject Lien not provided   Missing addendum for ARM Note Terms for Compliance review.   (2022/XX/10): The issue cited has either been resolved or was determined to not be an exception as noted. The missing documents have been located and uploaded as #XXX_Compliance Documents_02/XX/2022   (2022/XX/10): Note provided Incomplete. Variable Rate feature addendum/disclosure missing. Exception remains. Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Application / Processing Compliance Open   1 24995363 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Loan File Compliance Open   3 24995364 (Missing Doc) Incomplete loan images/file   File only contains Mortgage and Incomplete Note. Compliance testing not completed.         Provide missing documentation
275064451 XXX XXX XXX XXX UTD UTD UTD 7/XX/1999 NC $XXX Reviewed with Exceptions 2022-01-19 06:28:09.000000 Loan Package Documentation Application / Processing Credit Open   3 24995365 Missing Document: Note Addendum - ARM not provided             Provide missing documentation
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 24995375 Missing Document: Missing Final 1003             Provide missing documentation
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995376 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995377 (Doc Error) Initial GFE not provided              
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995378 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   3 24995379 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995380 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064272 XXX XXX XXX XXX UTD UTD Second Home 4/XX/1999 MD $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995381 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 24995492 Missing Document: Missing Final 1003             Provide missing documentation
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995493 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995494 (Doc Error) Initial GFE not provided              
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   3 24995495 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995496 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995497 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Federal Compliance Compliance Open   2 24995498 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064273 XXX XXX XXX XXX Construction-Permanent UTD 8/XX/1997 FL $XXX Reviewed with Exceptions 2022-01-11 18:05:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 24995499 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Loan Package Documentation Application / Processing Credit Open   1 24995558 Missing Document: Missing Final 1003             Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 24995559 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 24995560 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995561 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995562 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995563 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1995 used as disbursement date for compliance testing.           Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995564 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995565 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064471 XXX XXX XXX XXX Refinance UTD Primary 7/XX/1995 NY $XXX Reviewed with Exceptions 2022-01-15 09:40:49.000000 Compliance Federal Compliance Compliance Open   2 24995566 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064561 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995716 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064561 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Reviewed with Exceptions 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 24995717 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.           Provide missing documentation
275064608 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 HI $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212553 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064614 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25211751 Missing Document: Missing Final 1003             Provide missing documentation
275064614 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25211823 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064614 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25211824 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064614 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 25211835 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 11/XX/2004 2 Family            
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Loan Package Documentation Application / Processing Credit Open   1 25213156 Missing Document: Missing Final 1003             Provide missing documentation
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Loan Package Documentation Closing / Title Credit Open   2 25213186 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose            
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Miscellaneous Compliance Compliance Open   2 25213189 (Doc Error) Initial GFE not provided              
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25213222 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Loan Package Documentation Closing / Title Compliance Open   2 25213331 (Doc Error) TIL Error: Borrower signature not dated.              
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25213333 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance State Compliance Compliance Open   3 25228034 (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) Unable to test fair market acknowledgment due to missing information.           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance State Compliance Compliance Open   3 25228035 (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance State Compliance Compliance Open   2 25228036 (TX50(a)(6)) Texas Cash-out Loan  (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25233700 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064615 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 TX $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25233731 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064616 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25214909 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064616 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25214910 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064616 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25214911 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Loan Package Documentation Application / Processing Credit Open   1 25212258 Missing Document: Missing Final 1003             Provide missing documentation
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25212434 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   3 25212435 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25212436 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25212437 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25212438 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064617 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25212465 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064618 XXX XXX XXX XXX Purchase Primary 1/XX/2008 LA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212720 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064618 XXX XXX XXX XXX Purchase Primary 1/XX/2008 LA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212721 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064618 XXX XXX XXX XXX Purchase Primary 1/XX/2008 LA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212722 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization does not disclose a $XXX Recording fee paid to Title as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25212731 Missing Document: Missing Final 1003             Provide missing documentation
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212863 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212864 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212865 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25212872 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Miscellaneous Compliance Compliance Open   2 25212908 (Doc Error) Initial GFE not provided              
275064619 XXX XXX XXX XXX Purchase Primary 9/XX/2007 OR $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25212922 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064644 XXX XXX XXX XXX Purchase Primary 12/XX/2003 TX $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25213288 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25213200 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance State Compliance Compliance Open   2 25213206 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25213208 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25213211 Missing Document: Missing Final 1003             Provide missing documentation
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25214883 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064645 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Closing / Title Credit Open   2 25214885 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25215426 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25215427 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance State Compliance Compliance Open   2 25215428 Illinois Prepayment Penalty Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of  greater than 8%. Loan contracts for an interest rate of 9.82400%.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25215429 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25215451 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Miscellaneous Compliance Compliance Open   2 25215539 (Doc Error) Initial GFE not provided              
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25256948 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064647 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IL $XXX Loan Review Complete 2022-04-07 17:49:56.000000 Compliance Federal Compliance Compliance Open   2 25256949 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064648 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2008 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Government Documentation Credit Open   3 25215444 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064648 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2008 MD $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25215486 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064668 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25216094 Missing Document: Missing Final 1003             Provide missing documentation
275064668 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25216272 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064668 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25216273 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064668 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25216274 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064668 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2022-04-07 11:43:37.000000 Compliance Federal Compliance Compliance Open   2 25216275 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Loan Package Documentation Loan File Compliance Cleared 04/15/2022 1 25212699 (Missing Doc) Incomplete loan images/file   File only contains Mortgage. Compliance testing not completed.       (2022/XX/15): Cleared per direction from CSM Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Loan Package Documentation Closing / Title Compliance Cleared 04/15/2022 1 25212704 Missing Document: Note - Subject Lien not provided           (2022/XX/15): Cleared per direction from CSM Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Loan Package Documentation Application / Processing Credit Open   1 25212706 Missing Document: Missing Final 1003             Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Loan Package Documentation Application / Processing Compliance Cleared 04/15/2022 1 25212707 Missing Document: Missing Lender's Initial 1003           (2022/XX/15): Cleared per direction from CSM Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25212732 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 04/15/2022 1 25212734 Final Title Policy is missing. No evidence of title in file.           (2022/XX/15): Cleared per direction from CSM Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-07 18:03:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 25212741 (Doc Error) Initial GFE not provided              
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-15 08:12:28.000000 Compliance Federal Compliance Compliance Open   2 25324872 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-15 08:12:28.000000 Compliance Federal Compliance Compliance Open   3 25324873 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-15 08:12:28.000000 Compliance Federal Compliance Compliance Open   2 25324874 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-15 08:12:28.000000 Compliance Federal Compliance Compliance Open   2 25324875 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064676 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2003 MD $XXX Loan Review Complete 2022-04-15 08:12:28.000000 Compliance Federal Compliance Compliance Open   2 25324876 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Loan Package Documentation Loan File Credit Open   3 25217513 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Loan Package Documentation Application / Processing Credit Open   1 25217514 Missing Document: Flood Certificate not provided             Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Loan Package Documentation Application / Processing Credit Open   3 25217515 Missing Document: Fraud Report not provided             Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   2 25217516 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Loan Package Documentation Application / Processing Credit Open   3 25217517 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 09/XX/2004
Disaster End Date:  10/XX/2004		 The property is located in XXX, GA.  Provide a post-disaster inspection verifying there was no damage from Hurricane Ivan.  The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2004.          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 25217518 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Income / Employment Income Documentation Credit Open   3 25217519 REO Documents are missing. Address: XXX, GA Insurance Verification, Statement, Tax Verification Missing Mortgage Statement, Tax and Insurance Verification to verify monthly PITI expenses used to qualify.         Provide missing documentation
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   2 25217522 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/9211938) Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   3 25217523 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   3 25217524 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   3 25217525 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   3 25217527 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file         Lender to provide updated ATR/QM status
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Compliance Federal Compliance Compliance Open   3 25217528 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064684 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2015 GA $XXX Reviewed with Exceptions 2021-10-15 14:54:16.000000 Income / Employment Income Documentation Credit Open   3 25217529 Income documentation requirements not met.   Per AUS, approval and 1008 reflecting AUS LP approved loan.  The loan a is a relief refi and per AUS a paystub or WVOE reflecting 30 days of income required and not in file          
275064714 XXX XXX XXX XXX Purchase Primary 12/XX/2017 NJ $XXX Loan Review Complete 2021-09-16 14:26:34.000000 Compliance Federal Compliance Compliance Open   2 25217720 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7727) Missing valid change of circumstance or cure.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Loan Package Documentation Application / Processing Credit Open   1 25219077 Missing Document: Missing Final 1003             Provide missing documentation
275064613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25219078 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275064613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25219079 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25219080 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064613 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25219081 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064624 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 25219760 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an Attorney fee of $XXX Assignment Recording fee of $XXX and Wire Transfer fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Loan Package Documentation Application / Processing Credit Open   1 25219778 Missing Document: Missing Final 1003             Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25219779 Missing Document: Appraisal not provided             Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Miscellaneous Compliance Compliance Open   2 25219780 (Doc Error) Initial GFE not provided              
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25219781 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25219782 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   3 25219783 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25219784 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25219785 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25219786 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25219787 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064643 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2008 KS $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25219788 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064634 XXX XXX XXX XXX Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 2020-02-05 14:47:14.000000 Compliance Federal Compliance Compliance Open   2 25219847 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064634 XXX XXX XXX XXX Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 2020-02-05 14:47:14.000000 Loan Package Documentation Application / Processing Credit Open   1 25219848 Missing Document: Missing Final 1003             Provide missing documentation
275064632 XXX XXX XXX XXX Purchase Primary 12/XX/2005 GA $XXX Loan Review Complete 2020-02-13 11:26:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25219886 Missing Document: Missing Final 1003             Provide missing documentation
275064632 XXX XXX XXX XXX Purchase Primary 12/XX/2005 GA $XXX Loan Review Complete 2020-02-13 11:26:48.000000 Compliance Federal Compliance Compliance Open   2 25219887 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064632 XXX XXX XXX XXX Purchase Primary 12/XX/2005 GA $XXX Loan Review Complete 2020-02-13 11:26:48.000000 Loan Package Documentation Closing / Title Compliance Open   2 25219888 (Doc Error) TIL Error: Borrower signature not dated.              
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Loan Package Documentation Application / Processing Credit Open   1 25219873 Missing Document: Missing Final 1003             Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25219874 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25219875 Missing Document: Appraisal not provided             Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 25219876 (Doc Error) Initial GFE not provided              
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 25219877 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25219878 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   3 25219879 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25219880 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance State Compliance Compliance Open   2 25219881 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25219882 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25219883 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Credit Credit Documentation Credit Open   3 25219884 Missing Document: Credit Report not provided             Provide missing documentation
275064631 XXX XXX XXX XXX Refinance UTD UTD 12/XX/2005 SC $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Insurance Insurance Documentation Credit Open   1 25219885 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Loan Package Documentation Application / Processing Credit Open   1 25219912 Missing Document: Missing Final 1003             Provide missing documentation
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Compliance State Compliance Compliance Open   2 25219913 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Compliance Federal Compliance Compliance Open   2 25219914 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Compliance Federal Compliance Compliance Open   2 25219915 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Compliance State Compliance Compliance Open   2 25219916 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Compliance State Compliance Compliance Open   2 25219917 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064630 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 2020-04-09 08:12:26.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25219918 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064627 XXX XXX XXX XXX Purchase Primary 10/XX/2002 CT $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Loan Package Documentation Application / Processing Credit Open   1 25220023 Missing Document: Missing Final 1003             Provide missing documentation
275064627 XXX XXX XXX XXX Purchase Primary 10/XX/2002 CT $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 25220024 (Doc Error) Initial GFE not provided              
275064627 XXX XXX XXX XXX Purchase Primary 10/XX/2002 CT $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 25220025 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064627 XXX XXX XXX XXX Purchase Primary 10/XX/2002 CT $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   3 25220026 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064627 XXX XXX XXX XXX Purchase Primary 10/XX/2002 CT $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 25220027 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064641 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MD $XXX Loan Review Complete 2020-03-31 19:48:06.000000 Compliance Federal Compliance Compliance Open   2 25220186 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064641 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 MD $XXX Loan Review Complete 2020-03-31 19:48:06.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25220187 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064633 XXX XXX XXX XXX Purchase Primary 4/XX/2006 MS $XXX Loan Review Complete 2020-03-26 14:10:22.000000 Compliance Federal Compliance Compliance Open   2 25220231 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064637 XXX XXX XXX XXX Purchase Primary 1/XX/2008 PA $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 25220241 (Doc Error) Initial GFE not provided              
275064637 XXX XXX XXX XXX Purchase Primary 1/XX/2008 PA $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 25220242 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064636 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 IN $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 25220252 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064636 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 IN $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 25220253 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064628 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2003 FL $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 25220271 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, due to missing itemization of amount financed.  The itemizations provided were not final.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064639 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/1995 CA $XXX Loan Review Complete 2020-05-11 07:44:23.000000 Compliance Federal Compliance Compliance Open   2 25220446 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Prepaid interest on final itemization was $XXX, actual on HUD-1 was $XXX, in addition, the following fees were not included in the prepaid finance charge:  $XXX assignment recording, $XXX settlement fee, $XXX sub-escrow fee, for a difference of $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064639 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/1995 CA $XXX Loan Review Complete 2020-05-11 07:44:23.000000 Compliance Federal Compliance Compliance Open   2 25220447 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220501 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220502 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220503 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220504 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Loan Package Documentation Application / Processing Credit Open   1 25220505 Missing Document: Missing Final 1003             Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25220506 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2013           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220507 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2013.           Provide missing documentation
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220508 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220509 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064638 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2013 ND $XXX Loan Review Complete 2019-03-12 10:22:15.000000 Compliance Federal Compliance Compliance Open   2 25220510 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Loan Package Documentation Application / Processing Credit Open   1 25220532 Missing Document: Missing Final 1003             Provide missing documentation
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 25220533 (Doc Error) Initial GFE not provided              
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 25220534 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   3 25220535 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 25220536 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064623 XXX XXX XXX XXX Purchase Primary 5/XX/1996 VA $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Credit Credit Documentation Credit Open   3 25220537 Missing Document: Credit Report not provided             Provide missing documentation
275064611 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2004 CA $XXX Loan Review Complete 2019-11-13 16:42:45.000000 Compliance Federal Compliance Compliance Open   2 25220780 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064611 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2004 CA $XXX Loan Review Complete 2019-11-13 16:42:45.000000 Compliance State Compliance Compliance Open   2 25220781 California Prepayment Penalty California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.            
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Loan Package Documentation Application / Processing Credit Open   1 25220806 Missing Document: Missing Final 1003             Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25220807 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Miscellaneous Compliance Compliance Open   2 25220808 (Doc Error) Initial GFE not provided              
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Federal Compliance Compliance Open   2 25220809 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance State Compliance Compliance Open   2 25220810 Nebraska Mortgage Bankers Registration and Licensing Act (Impermissible Fees on Refinance) Unable to test refinance due to missing information.            
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Federal Compliance Compliance Open   2 25220811 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Federal Compliance Compliance Open   2 25220812 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Federal Compliance Compliance Open   3 25220813 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance Federal Compliance Compliance Open   2 25220814 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064622 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NE $XXX Loan Review Complete 2020-02-19 09:13:41.000000 Compliance State Compliance Compliance Open   2 25220815 Nebraska Prepayment Penalty Nebraska Prepayment Penalty:  Prepayment penalty may not be reasonable and necessary under the Residential Mortgage Licensing Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Credit General Credit Open   3 25220871 Initial Rate Lock rate date is not documented in file.              
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   1 25220872 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   2 25220873 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   2 25220874 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   2 25220875 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance State Compliance Compliance Open   2 25220876 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.            
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   2 25220877 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064646 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CO $XXX Loan Review Complete 2021-02-18 19:03:09.000000 Compliance Federal Compliance Compliance Open   2 25220878 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064665 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 2019-04-30 06:41:36.000000 Compliance Federal Compliance Compliance Open   2 25220904 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275064656 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2003 IL $XXX Loan Review Complete 2019-07-12 07:13:02.000000 Compliance Federal Compliance Compliance Open   2 25221036 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2002.           Provide missing documentation
275064659 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2019-10-30 17:10:58.000000 Compliance Federal Compliance Compliance Open   2 25221053 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064659 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2019-10-30 17:10:58.000000 Compliance State Compliance Compliance Open   2 25221054 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064659 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2019-10-30 17:10:58.000000 Compliance State Compliance Compliance Open   2 25221055 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064652 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 12/XX/2004 CA $XXX Loan Review Complete 2019-07-19 11:23:54.000000 Compliance Miscellaneous Compliance Compliance Open   2 25221080 (Doc Error) Initial GFE not provided              
275064652 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 12/XX/2004 CA $XXX Loan Review Complete 2019-07-19 11:23:54.000000 Compliance Federal Compliance Compliance Open   3 25221081 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064653 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-07-19 12:38:00.000000 Compliance Federal Compliance Compliance Open   2 25221134 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2005.           Provide missing documentation
275064653 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-07-19 12:38:00.000000 Compliance Federal Compliance Compliance Open   2 25221135 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064653 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-07-19 12:38:00.000000 Compliance Federal Compliance Compliance Open   2 25221136 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064653 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2019-07-19 12:38:00.000000 Compliance State Compliance Compliance Open   2 25221137 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
275064658 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 IN $XXX Loan Review Complete 2019-07-03 08:16:13.000000 Credit Credit Documentation Credit Open   3 25221383 Missing Document: Credit Report not provided             Provide missing documentation
275064658 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 IN $XXX Loan Review Complete 2019-07-03 08:16:13.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25221384 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2004           Provide missing documentation
275064661 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 FL $XXX Loan Review Complete 2020-01-14 16:20:33.000000 Compliance Federal Compliance Compliance Open   2 25221485 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064661 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 FL $XXX Loan Review Complete 2020-01-14 16:20:33.000000 Compliance Federal Compliance Compliance Open   2 25221486 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Loan Package Documentation Application / Processing Credit Open   1 25221675 Missing Document: Missing Final 1003             Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25221676 Missing Document: Appraisal not provided             Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Compliance Federal Compliance Compliance Open   2 25221677 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Compliance Federal Compliance Compliance Open   3 25221678 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Compliance Federal Compliance Compliance Open   2 25221679 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 11/XX/2000.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Compliance Federal Compliance Compliance Open   2 25221680 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Compliance Federal Compliance Compliance Open   2 25221681 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Credit Credit Documentation Credit Open   3 25221682 Missing Document: Credit Report not provided             Provide missing documentation
275064664 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2001 OH $XXX Loan Review Complete 2018-04-04 15:52:35.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25221683 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Loan Package Documentation Application / Processing Credit Open   1 25221722 Missing Document: Missing Final 1003             Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Loan Package Documentation Government Documentation Credit Open   3 25221723 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Loan Package Documentation Government Documentation Credit Open   3 25221724 Missing Document: FHA Mortgage Insurance Certificate not provided   High Cost testing not complete due to missing HUD- Premium and terms documented in file         Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Loan Package Documentation Government Documentation Credit Open   3 25221725 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   3 25221726 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25221727 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 10/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Federal Compliance Compliance Open   2 25221728 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Compliance Miscellaneous Compliance Compliance Open   2 25221729 (Doc Error) Initial GFE not provided              
275064669 XXX XXX XXX XXX Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 2017-08-02 17:38:09.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25221730 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25221745 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Credit General Credit Open   3 25221746 Initial Rate Lock rate date is not documented in file.              
275064670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221747 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221748 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064670 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221749 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 25221750 Missing Document: Missing Final 1003             Provide missing documentation
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Loan Package Documentation Government Documentation Credit Open   3 25221751 Missing Document: FHA Mortgage Insurance Certificate not provided   High Cost testing complete - Premium and terms documented in file.         Provide missing documentation
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221752 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 25221753 (Doc Error) Initial GFE not provided              
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Credit General Credit Open   3 25221754 Initial Rate Lock rate date is not documented in file.              
275064671 XXX XXX XXX XXX Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Document Error General Credit Open   3 25221755 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 OH $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 25221756 Missing Document: Missing Final 1003             Provide missing documentation
275064672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 OH $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221757 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 OH $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance State Compliance Compliance Open   2 25221758 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 OH $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221759 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064672 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 OH $XXX Loan Review Complete 2021-08-03 16:15:58.000000 Compliance Federal Compliance Compliance Open   2 25221760 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064681 XXX XXX XXX XXX Purchase Primary 2/XX/2009 NY $XXX Loan Review Complete 2018-02-20 09:28:45.000000 Loan Package Documentation Government Documentation Credit Open   3 25221838 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064681 XXX XXX XXX XXX Purchase Primary 2/XX/2009 NY $XXX Loan Review Complete 2018-02-20 09:28:45.000000 Loan Package Documentation Government Documentation Credit Open   2 25221839 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 02/XX/2009; Consummation Date: 02/XX/2009            
275064681 XXX XXX XXX XXX Purchase Primary 2/XX/2009 NY $XXX Loan Review Complete 2018-02-20 09:28:45.000000 Compliance Federal Compliance Compliance Open   2 25221840 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2008.           Provide missing documentation
275064681 XXX XXX XXX XXX Purchase Primary 2/XX/2009 NY $XXX Loan Review Complete 2018-02-20 09:28:45.000000 Compliance Federal Compliance Compliance Open   2 25221841 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064680 XXX XXX XXX XXX Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 2020-01-17 17:14:45.000000 Loan Package Documentation Application / Processing Credit Open   1 25221868 Missing Document: Missing Final 1003             Provide missing documentation
275064680 XXX XXX XXX XXX Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 2020-01-17 17:14:45.000000 Compliance Federal Compliance Compliance Open   2 25221869 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064680 XXX XXX XXX XXX Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 2020-01-17 17:14:45.000000 Compliance Federal Compliance Compliance Open   2 25221870 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064612 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 2021-06-30 10:47:10.000000 Compliance Federal Compliance Compliance Open   2 25221918 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Loan Package Documentation Application / Processing Credit Open   1 25221985 Missing Document: Missing Final 1003             Provide missing documentation
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Compliance Federal Compliance Compliance Open   2 25221986 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Compliance State Compliance Compliance Open   2 25221987 Pennsylvania First Lien Late Charge Grace Period Testing Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Compliance Federal Compliance Compliance Open   2 25221988 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Compliance Federal Compliance Compliance Open   2 25221989 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064682 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 2021-07-02 09:24:55.000000 Compliance Federal Compliance Compliance Open   2 25221990 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 HI $XXX Loan Review Complete 2021-07-02 15:36:26.000000 Loan Package Documentation Application / Processing Credit Open   1 25222024 Missing Document: Missing Final 1003             Provide missing documentation
275064683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 HI $XXX Loan Review Complete 2021-07-02 15:36:26.000000 Compliance Federal Compliance Compliance Open   2 25222025 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 HI $XXX Loan Review Complete 2021-07-02 15:36:26.000000 Compliance Federal Compliance Compliance Open   2 25222026 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 HI $XXX Loan Review Complete 2021-07-02 15:36:26.000000 Compliance Federal Compliance Compliance Open   2 25222027 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064683 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 HI $XXX Loan Review Complete 2021-07-02 15:36:26.000000 Compliance Federal Compliance Compliance Open   2 25222028 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064677 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OR $XXX Loan Review Complete 2021-09-08 15:37:10.000000 Credit General Credit Open   3 25222187 Initial Rate Lock rate date is not documented in file.              
275064677 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OR $XXX Loan Review Complete 2021-09-08 15:37:10.000000 Compliance Federal Compliance Compliance Open   3 25222188 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064677 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OR $XXX Loan Review Complete 2021-09-08 15:37:10.000000 Compliance State Compliance Compliance Open   2 25222189 Oregon Prepayment Penalty Max Prepay Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan.            
275064690 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 2021-05-13 09:09:40.000000 Compliance Federal Compliance Compliance Open   2 25222211 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064690 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 2021-05-13 09:09:40.000000 Compliance Federal Compliance Compliance Open   2 25222212 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Loan Package Documentation Application / Processing Credit Open   1 25222462 Missing Document: Missing Final 1003             Provide missing documentation
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Compliance Miscellaneous Compliance Compliance Open   2 25222463 (Doc Error) Initial GFE not provided              
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Insurance Insurance Documentation Credit Open   1 25222464 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 25222465 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2018/XX/26): cleared missing HUD-1 with trailing documents provided. Provide missing documentation
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Compliance Federal Compliance Compliance Cleared 04/26/2018 1 25222466 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 05/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2018/XX/26): cleared with HUD trailing documents provided. Provide missing documentation
275064692 XXX XXX XXX XXX Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 2018-04-16 15:40:39.000000 Compliance Federal Compliance Compliance Open   2 25222467 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Loan Package Documentation Application / Processing Credit Open   1 25222502 Missing Document: Missing Final 1003             Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Federal Compliance Compliance Open   3 25222503 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Federal Compliance Compliance Open   2 25222504 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 01/XX/2008.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Federal Compliance Compliance Open   2 25222505 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Federal Compliance Compliance Open   2 25222506 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25222507 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25222508 Missing Document: Appraisal not provided             Provide missing documentation
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Miscellaneous Compliance Compliance Open   2 25222509 (Doc Error) Initial GFE not provided              
275064693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2008 MO $XXX Loan Review Complete 2018-09-18 09:59:40.000000 Compliance Miscellaneous Compliance Compliance Open   2 25222510 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064694 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NJ $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Compliance Federal Compliance Compliance Open   2 25222512 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275064694 XXX XXX XXX XXX Purchase Primary 10/XX/2006 NJ $XXX Loan Review Complete 2018-10-17 18:33:52.000000 Compliance Federal Compliance Compliance Open   2 25222513 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064663 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2007 NV $XXX Loan Review Complete 2017-11-20 10:31:27.000000 Compliance Federal Compliance Compliance Open   2 25222541 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275064685 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NJ $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222657 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275064685 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NJ $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Credit General Credit Open   3 25222658 Initial Rate Lock rate date is not documented in file.              
275064685 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NJ $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222659 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064687 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 OR $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Credit General Credit Open   3 25222691 Initial Rate Lock rate date is not documented in file.              
275064687 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 OR $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222692 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064687 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 OR $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222693 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MD $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Credit General Credit Open   3 25222694 Initial Rate Lock rate date is not documented in file.              
275064688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MD $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222695 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064688 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MD $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222696 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064689 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222715 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064689 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   3 25222716 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064691 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2007 FL $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Loan Package Documentation Application / Processing Credit Open   1 25222763 Missing Document: Missing Final 1003             Provide missing documentation
275064691 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2007 FL $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222764 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064691 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2007 FL $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   3 25222765 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064691 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2007 FL $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 25222766 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064691 XXX XXX XXX XXX Refinance UTD Primary 4/XX/2007 FL $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Credit General Credit Open   3 25222767 Initial Rate Lock rate date is not documented in file.              
275064696 XXX XXX XXX XXX Purchase Primary 1/XX/2005 NY $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Federal Compliance Compliance Open   2 25222917 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064696 XXX XXX XXX XXX Purchase Primary 1/XX/2005 NY $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Federal Compliance Compliance Open   2 25222918 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064695 XXX XXX XXX XXX Purchase Primary 10/XX/2003 NJ $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Insurance Insurance Documentation Credit Open   1 25222919 Missing Document: Mortgage Insurance Certificate (MIC) not provided   High Cost testing complete - Premium and terms were documented in file         Provide missing documentation
275064695 XXX XXX XXX XXX Purchase Primary 10/XX/2003 NJ $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Loan Package Documentation Application / Processing Credit Open   1 25222920 Missing Document: Missing Final 1003             Provide missing documentation
275064695 XXX XXX XXX XXX Purchase Primary 10/XX/2003 NJ $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Federal Compliance Compliance Open   2 25222921 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064695 XXX XXX XXX XXX Purchase Primary 10/XX/2003 NJ $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Federal Compliance Compliance Open   2 25222922 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Miscellaneous Compliance Compliance Open   2 25222932 (Doc Error) Initial GFE not provided              
275064697 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 2021-10-28 14:33:21.000000 Compliance Federal Compliance Compliance Open   1 25222933 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064715 XXX XXX XXX XXX Purchase Primary 5/XX/2007 TN $XXX Loan Review Complete 2019-08-19 13:05:18.000000 Compliance Federal Compliance Compliance Open   2 25222964 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223021 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223022 SAFE Act - LO Company NMLS does not match NMLS Unable to test Loan Originator Organization match due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223023 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223024 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223025 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223026 SAFE Act - Individual LO NMLS does not match NMLS Unable to test Individual Loan Originator NMLSR status due to missing information. NMLS website is offline at time of review.          
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Federal Compliance Compliance Open   2 25223027 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25223028 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064712 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 GA $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25223029 (Doc Error) GFE Error: Interest rate available through date not provided. GFE Date: 12/XX/2013 Interest Rate Available Through Date is blank for GFE dated 12/XX/2013.            
275064698 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/1999 OH $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223150 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064698 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/1999 OH $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223151 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064700 XXX XXX XXX XXX Purchase Primary 1/XX/2003 CA $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25223202 Missing Document: Missing Final 1003             Provide missing documentation
275064700 XXX XXX XXX XXX Purchase Primary 1/XX/2003 CA $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223203 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064700 XXX XXX XXX XXX Purchase Primary 1/XX/2003 CA $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223204 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064700 XXX XXX XXX XXX Purchase Primary 1/XX/2003 CA $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   3 25223205 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064700 XXX XXX XXX XXX Purchase Primary 1/XX/2003 CA $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223206 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064701 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance Federal Compliance Compliance Open   2 25223227 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064701 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance State Compliance Compliance Open   2 25223228 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064701 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance State Compliance Compliance Open   2 25223229 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064701 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 2021-08-19 08:21:48.000000 Compliance State Compliance Compliance Open   2 25223230 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064703 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2004 IL $XXX Loan Review Complete 2021-08-25 13:14:53.000000 Compliance Federal Compliance Compliance Open   2 25223270 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064703 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2004 IL $XXX Loan Review Complete 2021-08-25 13:14:53.000000 Compliance Federal Compliance Compliance Open   2 25223271 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25223328 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2007           Provide missing documentation
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 25223329 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 25223330 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 25223331 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 25223332 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 25223333 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   3 25223334 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064710 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Loan Package Documentation Closing / Title Compliance Open   2 25223335 (Doc Error) TIL Error: Borrower signature not dated.              
275064707 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MS $XXX Loan Review Complete 2021-09-08 10:17:20.000000 Compliance Federal Compliance Compliance Open   2 25223418 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064707 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2007 MS $XXX Loan Review Complete 2021-09-08 10:17:20.000000 Compliance Federal Compliance Compliance Open   2 25223419 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064713 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25223455 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064713 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25223456 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064713 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 2020-02-28 08:33:33.000000 Compliance Federal Compliance Compliance Open   2 25223457 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Loan Package Documentation Application / Processing Credit Open   1 25223512 Missing Document: Missing Final 1003             Provide missing documentation
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 25223513 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25223514 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Compliance Federal Compliance Compliance Open   2 25223515 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Compliance Federal Compliance Compliance Open   2 25223516 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 25223517 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Compliance Federal Compliance Compliance Open   2 25223518 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Compliance Federal Compliance Compliance Open   2 25223519 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 25223520 (Doc Error) TIL Error: Borrower signature not dated.              
275064706 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2021-04-06 14:53:49.000000 Loan Package Documentation Closing / Title Compliance Open   2 25223521 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064708 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-09-10 09:52:47.000000 Loan Package Documentation Application / Processing Credit Open   1 25223562 Missing Document: Missing Final 1003             Provide missing documentation
275064708 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-09-10 09:52:47.000000 Compliance Federal Compliance Compliance Open   2 25223563 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 SC $XXX Reviewed with Exceptions 2017-05-31 18:53:49.000000 Loan Package Documentation Application / Processing Credit Open   1 25240709 Missing Document: Missing Final 1003             Provide missing documentation
275064590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 SC $XXX Reviewed with Exceptions 2017-05-31 18:53:49.000000 Compliance Federal Compliance Compliance Open   2 25240710 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an attorney fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 SC $XXX Reviewed with Exceptions 2017-05-31 18:53:49.000000 Compliance Federal Compliance Compliance Open   2 25240711 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of  9/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was  4/XX/2007.           Provide missing documentation
275064590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 SC $XXX Reviewed with Exceptions 2017-05-31 18:53:49.000000 Compliance Federal Compliance Compliance Open   2 25240712 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064590 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 SC $XXX Reviewed with Exceptions 2017-05-31 18:53:49.000000 Compliance State Compliance Compliance Open   2 25240713 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25240797 Missing Document: Flood Certificate not provided             Provide missing documentation
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25240798 Missing Document: Missing Final 1003             Provide missing documentation
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance Federal Compliance Compliance Open   2 25240799 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance Federal Compliance Compliance Open   2 25240800 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance Federal Compliance Compliance Open   2 25240801 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a loan origination fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance State Compliance Compliance Open   2 25240802 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance State Compliance Compliance Open   2 25240803 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064603 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MI $XXX Reviewed with Exceptions 2018-05-15 11:17:48.000000 Compliance State Compliance Compliance Open   2 25240804 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064607 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2011 MD $XXX Loan Review Complete 2019-01-21 11:44:05.000000 Compliance State Compliance Compliance Open   2 25240922 Maryland Counseling Disclosure Not In File Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.            
275064607 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2011 MD $XXX Loan Review Complete 2019-01-21 11:44:05.000000 Compliance State Compliance Compliance Open   2 25240923 Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.            
275064607 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2011 MD $XXX Loan Review Complete 2019-01-21 11:44:05.000000 Compliance State Compliance Compliance Open   2 25240924 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Signed) Maryland Mortgage Lending Regulations:  Net Tangible Benefit Worksheet not signed by borrower.            
275064600 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-04-16 15:34:49.000000 Compliance State Compliance Compliance Open   2 25240976 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
275064600 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-04-16 15:34:49.000000 Compliance State Compliance Compliance Open   2 25240977 New York Prepayment Penalty New York Prepayment Penalty:  Adjustable rate loan greater than $XXX contains an impermissible prepayment penalty of greater than 12 months.            
275064600 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-04-16 15:34:49.000000 Compliance Federal Compliance Compliance Open   2 25240978 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064600 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-04-16 15:34:49.000000 Compliance Federal Compliance Compliance Open   2 25240979 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 6.50500% is underdisclosed from calculated APR of 6.88298% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064600 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 2019-04-16 15:34:49.000000 Compliance Federal Compliance Compliance Open   2 25240980 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Loan Approval reflects an Index of 3.56%; However, Closest Index value in our look back period is 3.94%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064594 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 IL $XXX Loan Review Complete 2020-11-17 10:38:23.000000 Compliance Federal Compliance Compliance Open   2 25241548 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064593 XXX XXX XXX XXX Purchase Primary 11/XX/2005 MI $XXX Loan Review Complete 2020-12-15 10:30:49.000000 Compliance Federal Compliance Compliance Open   2 25241591 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064606 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2006 IL $XXX Loan Review Complete 2021-02-17 11:23:42.000000 Compliance Federal Compliance Compliance Open   2 25241877 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064596 XXX XXX XXX XXX Purchase Primary 2/XX/2008 IN $XXX Loan Review Complete 2021-08-05 10:26:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25242286 (Doc Error) Initial GFE not provided              
275064604 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 MA $XXX Loan Review Complete 2020-01-30 10:44:13.000000 Compliance Federal Compliance Compliance Open   2 25242458 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064604 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 MA $XXX Loan Review Complete 2020-01-30 10:44:13.000000 Compliance Federal Compliance Compliance Open   2 25242459 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an attorney fee of $XXX, flood certification fee of $XXX, and title courier fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064602 XXX XXX XXX XXX Purchase Primary 11/XX/2007 MS $XXX Loan Review Complete 2021-03-30 15:43:34.000000 Loan Package Documentation Application / Processing Credit Open   1 25242499 Missing Document: Missing Final 1003             Provide missing documentation
275064602 XXX XXX XXX XXX Purchase Primary 11/XX/2007 MS $XXX Loan Review Complete 2021-03-30 15:43:34.000000 Compliance Federal Compliance Compliance Open   2 25242500 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064602 XXX XXX XXX XXX Purchase Primary 11/XX/2007 MS $XXX Loan Review Complete 2021-03-30 15:43:34.000000 Compliance Federal Compliance Compliance Open   2 25242501 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064602 XXX XXX XXX XXX Purchase Primary 11/XX/2007 MS $XXX Loan Review Complete 2021-03-30 15:43:34.000000 Compliance Federal Compliance Compliance Open   2 25242502 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064183 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664764 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064183 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664772 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064183 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25664777 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064183 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25664778 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064183 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25664779 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064184 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 IL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664951 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064184 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 IL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664953 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064185 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 MD $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664872 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064185 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 MD $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664873 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064185 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 MD $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684615 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a settlement fee of $XXX, courier fee of $XXX and wire fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064187 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25665099 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064187 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25665100 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683444 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683445 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683446 RESPA (2010) -  First Change Date on GFE Inaccurate RESPA (2010): First Change Date on GFE does not match First Change Date on Note.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683447 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683448 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683449 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25683450 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683451 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275064195 XXX XXX XXX XXX Purchase Primary 7/XX/2010 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683452 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684591 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25684594 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684604 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684622 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684623 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684624 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2011 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25684625 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687040 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687041 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan) Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply.           Provide consumer with a Letter of Explanation, a corrected TIL Disclosure and proof of delivery.
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687042 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan.            
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687043 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever"  P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan.            
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687044 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.            
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687045 2011 TIL-MDIA ARM Introductory Rate Disclosure -  Discounted Interest Rate Fully Indexed Rate Inaccurate Truth in Lending Act (MDIA 2011):  The fully-indexed rate on the Final TIL does not match the fully-indexed rate for the loan.            
275064197 XXX XXX XXX XXX Purchase Second Home 6/XX/2012 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25687046 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing TIL itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Loan Package Documentation Application / Processing Credit Open   1 25688047 Missing Document: Missing Final 1003             Provide missing documentation
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 25688056 (Doc Error) TIL Error: Borrower signature not dated.              
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   3 25688121 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688122 SAFE Act - Individual LO NMLS license status not approved Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688123 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688124 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688125 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years"  interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688126 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years P&I Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years"  P&I payment on the Final TIL does not match the maximum principal and interest payment on the loan during the first five (5) years of the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688127 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688128 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688129 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever"  P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688130 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.            
275064199 XXX XXX XXX XXX Refinance Rate/Term Second Home 1/XX/2013 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 25702828 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688872 SAFE Act - Individual LO NMLS license status not approved Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688873 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years"  interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688874 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years P&I Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years"  P&I payment on the Final TIL does not match the maximum principal and interest payment on the loan during the first five (5) years of the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688875 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688876 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688877 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever"  P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688878 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.            
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688879 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064200 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2013 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25688880 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064182 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/1997 AL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25664574 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064186 XXX XXX XXX XXX Purchase Primary 6/XX/2004 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 25664959 (Doc Error) Initial GFE not provided              
275064188 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25665101 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064188 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25665102 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064188 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25665103 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064188 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2004 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25686224 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose a settlement fee of $XXX or a title courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064189 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25666776 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064189 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25666777 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064189 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25666778 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064190 XXX XXX XXX XXX Purchase Second Home 5/XX/2006 FL $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25667840 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275064191 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25672145 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064191 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25672146 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a subordination fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064192 XXX XXX XXX XXX Purchase Primary 11/XX/2007 WV $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25676937 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064192 XXX XXX XXX XXX Purchase Primary 11/XX/2007 WV $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25676938 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064192 XXX XXX XXX XXX Purchase Primary 11/XX/2007 WV $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25676940 West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees.            
275064192 XXX XXX XXX XXX Purchase Primary 11/XX/2007 WV $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25704737 West Virginia Residential Mortgage Lender, Broker, and Servicer Act - Points and Fees Exceeds State Thresholds West Virginia Residential Mortgage Lender, Broker and Servicer Act: Points and Fees on subject loan of 7.74089% is in excess of the  6.00000% of Total Loan Amount . Points and Fees of $XXX on a Total Loan Amount of $XXX, vs. allowable total of $XXX   (an overage of $XXX or 1.74089%).            
275064193 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2008 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25682050 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 25683530 (Doc Error) TIL Error: Borrower signature not dated.              
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Loan Package Documentation Closing / Title Compliance Open   2 25683536 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683544 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance State Compliance Compliance Open   2 25683545 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683547 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064194 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 NY $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25683548 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25657599 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/10404085) There is a 5 month gap between the current and prior employment history without a letter of explanation; however, there is a letter of explanation concerning the lack of schedule K for the prior employment year of 2012.          
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25657601 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25657602 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Fail.            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25657603 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.         Provide missing documentation
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25657604 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 30.23862%, LTV/CLTV: 75.00000%/75.00000%, Credit Score: 787, Occupancy: Primary, Purpose: Refinance, Cash-out - Home Improvement Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25657605 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25657719 General Ability To Repay Provision Mortgage-Related Obligations Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   1 25657839 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2014                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25657865 AUS/Guideline Findings: All conditions were not met   Guidelines not provided.          
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 25657992 Income Docs Missing: Borrower: XXX Third Party Verification           Provide missing documentation
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Miscellaneous Compliance Compliance Open   2 25658128 (Doc Error) GFE Error: Changed Circumstance not provided. GFE Date: 12/XX/2014, GFE Date: 12/XX/2014, GFE Date: 02/XX/2015, GFE Date: 03/XX/2015, GFE Date: 03/XX/2015, GFE Date: 03/XX/2015 Changed Circumstance not provided for GFE dated 12/XX/2014 from GFE dated 11/XX/2014
Changed Circumstance not provided for GFE dated 12/XX/2014 from GFE dated 12/XX/2014
Changed Circumstance not provided for GFE dated 02/XX/2015 from GFE dated 01/XX/2015
Changed Circumstance not provided for GFE dated 03/XX/2015 from GFE dated 02/XX/2015
Changed Circumstance not provided for GFE dated 03/XX/2015 from GFE dated 03/XX/2015
Changed Circumstance not provided for GFE dated 03/XX/2015 from GFE dated 03/XX/2015		            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Hazard Insurance Insufficient Coverage Credit Open   3 25658419 The Hazard Insurance Policy Effective Date is after closing. Hazard Insurance Policy Effective Date 03/XX/2015, Disbursement Date: 04/XX/2015            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Guideline Guideline Issue Credit Open   3 25658468 Borrower has been on current job less than 2 years, and prior employment history was not documented as required. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2013 There is a 5 month gap in employment without a letter of explanation.          
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 25658471 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2008            
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25662341 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064205 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2015 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25662490 Rental Income Documentation - Schedule E Method Test Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX.  Lease Agreement and/or Tax Return not provided. (XXX/Schedule E)            
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 25655770 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2010 VVOE dated within 10 business days is missing          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 25655771 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2008 VVOE dated within 10 business days is missing          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   1 25655778 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2015                 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		            
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25655787 AUS/Guideline Findings: All conditions were not met   File was manually underwritten, missing lender's guidelines.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit Credit Documentation Credit Open   3 25655975 Credit Report Error: Credit report is missing FICO scores. Credit Report: Original // Borrower: XXX           Provide missing documentation
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 25656001 REO Documents are missing. Address: XXX, Address: XXX, Insurance Verification, Tax Verification
Insurance Verification, Tax Verification		           Provide missing documentation
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit Credit Calculation / Analysis Credit Open   3 25656042 Missing Document: Alternative credit requirements are not satisfied. Credit Report: Original // Borrower: XXX           Provide missing documentation
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656327 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0879.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656328 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0880.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656329 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2015)            
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656331 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing lender's guidelines.         Provide missing documentation
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656332 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0879.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656333 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0880.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656334 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0879.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656335 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing W-2, paystub documentation. Employer letter is associated in file DOC ID 0880.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656337 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656338 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 01/XX/2016 not accurate. (Final/01/XX/2016)           Letter of Explanation & Corrected Closing Disclosure
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656340 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) Unable to locate a valid Change of Circumstance letter or cure to support increase of 10% tolerance fee of $XXX.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656341 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Unable to locate a valid Change of Circumstance letter or cure to support increase of 0% tolerance fee for Loan Discount Points from $XXX to $XXX.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25656342 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75130) Unable to locate a valid Change of Circumstance letter or cure to support increase of 0% tolerance fee for Lender Inspection fee from $XXX to $XXX         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25656351 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 36.38658%, LTV/CLTV: 62.89267%/62.89267%, Credit Score: 718, Occupancy: Second Home, Purpose: Purchase, Unable to determine ability to repay due to missing lender's guidelines.          
275064206 XXX XXX XXX XXX Purchase Second Home 1/XX/2016 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25737648 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Failure due to missing guides         Lender to provide updated ATR/QM status
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   2 25627563 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  An insufficient cure of $XXX was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25627755 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/10404126) Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25627756 Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Credit Credit Documentation Credit Open   3 25627768 Missing Document: Credit Report not provided             Provide missing documentation
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25627890 AUS/Guideline Findings: All conditions were not met   Guidelines not provided.          
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   2 25629040 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2016) Evidence of earlier receipt was not located in file         No Defined Cure
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25629046 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 28.95087%, LTV/CLTV: 24.22997%/24.22997%, Credit Score: 779, Occupancy: Primary, Purpose: Refinance, Cash-out - Other Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25630375 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25630378 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Guidelines not provided.         Lender to provide updated ATR/QM status
275064209 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2016 NY $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   2 25732708 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 10/XX/2016 not accurate. (Final/10/XX/2016)           Letter of Explanation & Corrected Closing Disclosure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Income / Employment Income Documentation Credit Open   3 25744972 Income Docs Missing: Borrower: XXX VVOE - Employment Only
VVOE - Employment Only		 File is missing a paystub dated within 30 days of application, a VVOE within 10 business days of the Note and the 2016 W2.         Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Loan Package Documentation Application / Processing Compliance Open   1 25745108 Missing Document: Missing Lender's Initial 1003   Initial 1003 was missing in this file.         Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Loan Package Documentation Application / Processing Credit Open   1 25746818 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2018                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		 The property is located in a FEMA disaster area.  The post-disaster inspection was missing from this file verifying there was no damage after the recent Disaster End date 09/XX/2021.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25746870 AUS/Guideline Findings: All conditions were not met   No guidelines were provided.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755409 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2018)            
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755410 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25755412 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755413 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755414 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 04/XX/2018 not accurate. (Final/04/XX/2018) Lender is using $XXX/month for the HOI; however, the policy in the file shows the annual premium at $XXX ($XXX/month).         Letter of Explanation & Corrected Closing Disclosure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755416 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Income / Employment Income Documentation Credit Open   3 25755451 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2016 Verification of CB's prior employment was not provided.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Income / Employment Income Documentation Credit Open   3 25755454 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2017            
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Income / Employment Income Documentation Credit Open   3 25755455 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2011            
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25755593 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/10404158) There is no documentation in the file to verify start/end dates for either the CBR's current or prior employment.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25755620 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Appraisal Disclosure was not require for this loan.  Override exception at end of process.         Good faith redisclosure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25755843 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) The only paystXXX in the file are dated greater than 90 days prior to the note date and are not within 30 days of the application date.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25755864 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) The only paystXXX in the file are dated greater than 90 days prior to the note date and are not within 30 days of the application date.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25756040 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 35.86817%, LTV/CLTV: 59.56522%/59.56522%, Credit Score: 706, Occupancy: Primary, Purpose: Purchase, No guidelines were provided.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25756041 General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). No guidelines were provided.          
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25756236 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2018) The final Closing disclosure dated 4/XX/2018 was the most current CD close to closing and notary date 4/XX/2018.         No Defined Cure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25756237 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate documentation was missing in this file.         No Defined Cure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Loan Package Documentation Application / Processing Credit Open   3 25756531 Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided             Provide missing documentation
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   2 25756866 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064211 XXX XXX XXX XXX Purchase Primary 4/XX/2018 NY $XXX Loan Review Complete 2022-05-26 09:29:34.000000 Compliance Federal Compliance Compliance Open   3 25758095 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Failure due to missing guides, income documents.         Lender to provide updated ATR/QM status
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Compliance Open   1 25727670 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25727704 Missing Document: Tax Certificate not provided             Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Income / Employment Income Documentation Credit Open   3 25733516 Income Docs Missing: Borrower: XXX, Borrower: XXX 4506-T (2016), 4506-T (2017)
4506-T (2016), 4506-T (2017)		           Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25733576 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25733922 AUS/Guideline Findings: All conditions were not met   Guidelines were not provided to determine if all conditions were met.          
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734246 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734248 TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website Truth in Lending Act (NMLSR Dodd- Frank 2014):  Loan Originator Organization NMLS information on loan documents does not match NMLS.            
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734251 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734252 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734253 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734323 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 11/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/11/XX/2018) Sellers CD was not included in the loan file.         Letter of Explanation & Corrected Closing Disclosure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734324 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/11/XX/2018) Only the Final CD was provided in the file.         No Defined Cure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734326 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. The file does not have any loan estimates.         No Defined Cure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25734362 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Appraisal Disclosure is not present in the loan file and file does not have any Loan Estimates.         Good faith redisclosure
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25735643 Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided             Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25736928 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Risk. No evidence of loan designation used by the lender in the file.          
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25736929 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25736946 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 49.72311%, LTV/CLTV: 68.59060%/68.59060%, Credit Score: 0, Occupancy: Primary, Purpose: Purchase, Guidelines were not provided.          
275064212 XXX XXX XXX XXX Purchase Primary 11/XX/2018 IL $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25736947 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Guidelines were not provided.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25653416 AUS/Guideline Findings: All conditions were not met   Final AUS missing all pages, unable to determine if all conditions were met.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Asset Asset Calculation / Analysis Credit Open   3 25655023 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Unable to verify available for closing due to missing personal bank statements and missing EMD source of funds.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 1003 Document Error Credit Open   3 25655228 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. Borrower: XXX Verification of Non U.S. Citizen status not provided.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   1 25655450 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 01/XX/2019                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Compliance Open   1 25655459 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25655460 Missing Document: Approval not provided             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25655461 Missing Document: AUS not provided             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Credit Credit Documentation Credit Open   3 25655464 Missing Document: Credit Report not provided             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25655466 Missing Document: Fraud Report not provided             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25655468 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Insurance Insurance Documentation Credit Open   3 25655531 Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage.             Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25655679 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655682 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Fail.            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655683 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25655684 General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655685 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/10404174)            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655686 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/10404175)            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25655687 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655843 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 29.19620%, LTV/CLTV: 75.00000%/75.00000%, Credit Score: , Occupancy: Second Home, Purpose: Purchase, Unable to determine ability to repay due to missing guidelines.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25655845 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/03/XX/2019) No evidence found in file that the CD was  provided to Borrowers at least three business days prior to closing.         No Defined Cure
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655880 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Unable to verify debt obligations due to missing credit report.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25655881 General Ability To Repay Provision Income and Assets - Schedule C Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXX XXX/Schedule C) Unable to verify Sole Proprietorship income due to missing P&L statement as well as CPA letter.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25747469 Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25747475 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/10404175) Unable to verify employment dates due to missing documentation.          
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749507 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749509 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75117) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749510 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7539) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749511 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77176) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749512 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77179) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749513 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77185) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749514 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77190) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749515 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77201) Unable to locate a valid change of circumstance or a sufficient cure to the borrower         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749588 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/02/XX/2019)            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25749697 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/02/XX/2019)            
275064213 XXX XXX XXX XXX Purchase Second Home 3/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Income / Employment Income Documentation Credit Open   3 25753413 REO Documents are missing. Address: XXX, Singapore, Insurance Verification, Statement, Tax Verification           Provide missing documentation
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Credit Open   1 25745333 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2019                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25749291 Commission Tax Documentation Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) Borrower on job less than 2 years; extension filed for tax returns. Employer letter confirms commission, bonus and profit sharing income but it does not meet 2 year requirement.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25749292 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/10404184) Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749293 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2019) Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749294 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749295 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749296 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25749300 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.         Provide missing documentation
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25749301 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 46.09806%, LTV/CLTV: 76.11702%/76.11702%, Credit Score: 713, Occupancy: Primary, Purpose: Purchase, Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749304 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749305 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. The file is missing RESPA Homeownership Counseling List Status         Provide missing documentation
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749307 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/12/XX/2019) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.         No Defined Cure
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749308 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).         No Defined Cure
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749311 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. The file is missing ARM Disclosure         No Defined Cure
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25749313 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. The file is missing CHARM Booklet Disclosure.         No Defined Cure
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25751885 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25752662 AUS/Guideline Findings: All conditions were not met   Guidelines not provided.          
275064216 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25752813 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.         Lender to provide updated ATR/QM status
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Asset Asset Calculation / Analysis Credit Open   3 25655446 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. File is missing all assets and currency conversion chart for all accounts if required.          
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Loan Package Documentation Application / Processing Credit Open   2 25655640 1003 Error: Own/Rent  was not provided Borrower: XXX the final 1003 does not indicate if the borrower owns or rent the property.          
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25656000 AUS/Guideline Findings: All conditions were not met   the file was missing a copy of the AUS and guidelines.          
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Compliance Federal Compliance Compliance Open   2 25656093 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019)            
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Loan Package Documentation Application / Processing Compliance Open   1 25658569 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Loan Package Documentation Application / Processing Credit Open   3 25658571 Missing Document: Approval not provided             Provide missing documentation
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Compliance Federal Compliance Compliance Open   2 25658778 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.           Provide missing documentation
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Credit Credit Documentation Credit Open   3 25767139 Aged document: Credit Report  is more than 90 days prior to the note date. Credit Report: Original // Borrower: XXX            
275064219 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:39:44.000000 Guideline Guideline Issue Credit Open   3 25767957 LTV Exceeds Guidelines. LTV: 50.00000% Exception requested for LTV exception approval of 63.16% over the 60% guideline maximum. The exception approval is missing along with the lenders compensating factors.          
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Compliance Open   1 25627849 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Credit Open   3 25627863 Missing Document: Approval not provided             Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Credit Open   3 25627895 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25627953 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Credit Open   1 25628229 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2020                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629138 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2020) Notice or right to receive a copy of appraisal Disclosure  missing          
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629139 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/02/XX/2020) Notice or right to receive a copy of appraisal Disclosure  missing          
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629140 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Notice or right to receive a copy of appraisal  Disclosure is missing         Good faith redisclosure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629141 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629142 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25629144 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.         Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25629147 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 34.64736%, LTV/CLTV: 80.00000%/102.91029%, Credit Score: 793, Occupancy: Primary, Purpose: Refinance, Cash-out - Other Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629148 General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).            
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629149 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629152 TRID Final Closing Disclosure Product Testing TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2020 disclosed a Product that does not match the actual product for the loan. (Final/03/XX/2020) ARM disclosure is missing         TRID timing exception, no remediation available.
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629153 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/03/XX/2020) Closing Disclosure not provided to Borrower at least three  business days prior to closing.         No Defined Cure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629154 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate not provided or missing         No Defined Cure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629155 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. ARM Disclosure is missing         No Defined Cure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629156 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.         No Defined Cure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629157 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Notice of Right to Cancel was not provided         Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   2 25629312 TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 35,053.08 on Final Closing Disclosure provided on 03/XX/2020 not accurate. (Final/03/XX/2020) Estimated Property Costs over Year 1 of 35,053.08 on Final Closing Disclosure provided on 03/XX/2020 not accurate         Letter of Explanation & Corrected Closing Disclosure
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25629352 AUS/Guideline Findings: All conditions were not met   All other conditions were not met due to missing guidelines.          
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25630494 Overtime Bonus 2Yr Calc Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXX XXX/Bonus)            
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 25727416 Missing Document: Note - Subordinate Lien not provided   Note in file closed same day as subject for $XXX with payment of $XXX and final 1003 indicates subordination in the amount of $XXX with a payment of $XXX without documentation/clarification to accurately calculate LTV/DTI.         Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Loan Package Documentation Application / Processing Credit Open   3 25736357 Missing Document: Tax Certificate not provided             Provide missing documentation
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Compliance Federal Compliance Compliance Open   3 25748596 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Due to missing guidelines.         Lender to provide updated ATR/QM status
275064220 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2020 NY $XXX Loan Review Complete 2022-05-25 15:26:43.000000 Title Lien Credit Open   3 25749401 Missing evidence of lien position on Other Financing. Lien Position: 2           Provide missing documentation
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   1 25346806 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2014                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25346822 AUS/Guideline Findings: All conditions were not met   Guidelines from the lender were not provided.          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Asset Asset Documentation Credit Open   3 25588235 Asset documentation requirements not met.   Due to missing missing guidelines we cannot confirm if all asset documentation has been met.          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25588288 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Risk. File is a manual underwrite and does not contain guidelines.          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25588289 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.         Provide missing documentation
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25588290 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 60.42988%, LTV/CLTV: 77.29008%/77.29008%, Credit Score: 778, Occupancy: Primary, Purpose: Purchase, Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25588291 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Missing guidelines;  loan is waterfalling to standard QM/ATR documentation requirements.          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25588453 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. The final tax and insurance on the final TIL are $XXX
However the 1008 ,tax cert and hazard insurance declaration page report the escrows are $XXX
This is a -$XXX variance.		          
275064202 XXX XXX XXX XXX Purchase Primary 9/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25588454 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. The final tax and insurance on the final TIL are $XXX
However the 1008 ,tax cert and hazard insurance declaration page report the escrows are $XXX
This is a -$XXX variance.		          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25653883 AUS/Guideline Findings: All conditions were not met   Guidelines not provided.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25655853 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) Self-employed income documentation not sufficient for Partnership business due to missing CPA letter and current YTD P&L.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25655855 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25655925 General Ability To Repay Provision Income and Assets - Partnership Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXX XXX/Partnership) Income documents not provided.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25655926 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 31.89436%, LTV/CLTV: 75.00000%/75.00000%, Credit Score: 647, Occupancy: Primary, Purpose: Purchase, Unable to determine ratio thresholds due to missing guidelines.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25655942 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 01/XX/2016 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/01/XX/2016) File is missing the seller's closing disclosure to verify, if any, seller paid fees.         Letter of Explanation & Corrected Closing Disclosure
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25655943 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Loan Discount Fee in the amount of $XXXwas not disclosed on Loan Estimate, however, it is disclosed on the Final Closing Disclosure.  File does not contain a valid COC for this fee and a cure has not been provided at closing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25655944 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75130) Lender Inspection Fee in the amount of $XXX was not disclosed on Loan Estimate, however, it is disclosed on the Final Closing Disclosure.  File does not contain a valid COC for this fee and a cure has not been provided at closing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25655945 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Transfer Tax Fee was last disclosed as $XXX on the LE but disclosed as $XXX on the Final Closing Disclosure.  File does not contain a valid COC for this fee and a cure has not been provided at closing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 25655999 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Fail. Due to missing guidelines.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 25659058 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/01/XX/2016) Initial valuation receive date is 11/XX/2015 and final valuation report date is 1/XX/2016, which is a certificate of completion.          
275064207 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Asset Asset Documentation Credit Open   3 25737293 Asset documentation requirements not met.   EMD not sourced.          
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Loan Package Documentation Application / Processing Credit Open   1 25653774 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2016                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25653836 AUS/Guideline Findings: All conditions were not met   File was manually underwritten. No AUS provided and no guidelines for this deal          
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25654207 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Risk. Loan designation not provided.          
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25654208 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Investor guidelines not provided.         Provide missing documentation
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   2 25654209 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25654244 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 55.21985%, LTV/CLTV: 79.99363%/79.99363%, Credit Score: 771, Occupancy: Primary, Purpose: Purchase, No AUS and guideline provided          
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Compliance Federal Compliance Compliance Open   3 25654245 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. No AUS or guidelines provided          
275064208 XXX XXX XXX XXX Purchase Primary 6/XX/2016 NJ $XXX Loan Review Complete 2022-05-24 14:17:13.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25655104 AUS/Guideline Findings: All conditions were not met   Missing underwriting guidelines to determine if all conditions were met.          
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Insurance Insurance Documentation Credit Open   3 25693107 Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.             Provide missing documentation
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Loan Package Documentation Application / Processing Credit Open   1 25693234 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 01/XX/2018                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Loan Package Documentation Application / Processing Compliance Open   1 25693280 Missing Document: Missing Lender's Initial 1003   a copy of the lenders initial 1003 is needed for file please provide         Provide missing documentation
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   2 25693599 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   3 25693600 TRID Closing Disclosure Status Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. The LE's and CD's were not provided at close, or prior to close.          
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   2 25693601 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. The LE's and CD's were not provided at close, or prior to close.         No Defined Cure
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   2 25693827 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2018) A copy of valuation provided to borrower 3 days prior to consummation is needed along with proof of delivery          
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   2 25693829 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064210 XXX XXX XXX XXX Purchase Primary 3/XX/2018 NY $XXX Loan Review Complete 2022-05-23 16:20:06.000000 Compliance Federal Compliance Compliance Open   2 25700799 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Right to Receive was not provided.         Good faith redisclosure
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Loan Package Documentation Application / Processing Compliance Open   1 25743728 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Compliance Federal Compliance Compliance Open   2 25745173 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2019)            
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Compliance Federal Compliance Compliance Open   2 25745176 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Compliance Federal Compliance Compliance Open   2 25745241 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Compliance Federal Compliance Compliance Open   2 25745244 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/11/XX/2019) Final CD provided in file was issued on 11/XX/2019 and received on 11/XX/2019, there was no evidence of an earlier CD provided in file.         No Defined Cure
275064214 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2019 FL $XXX Loan Review Complete 2022-05-25 18:20:30.000000 Compliance Federal Compliance Compliance Open   2 25745245 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. The file is missing a Loan Estimate.         No Defined Cure
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Credit Open   1 25589607 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2019                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25589629 AUS/Guideline Findings: All conditions were not met   AUS or Guidelines were not provided loan defaulted to ATR/QM standards.          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Income / Employment Income Documentation Credit Open   3 25589825 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2018 VVOE for prior employer was not provided          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Asset Asset Calculation / Analysis Credit Open   3 25591235 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Missing evidence of gift funds and EMD of $XXX          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Credit Open   2 25591320 1003 Error: Citizenship Source Documentation  was not provided Borrower: XXX Foreign national and VISA or passport was not provided          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25591939 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25591942 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25591999 TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Right to receive a copy of the Appraisal Disclosure and initial LE are missing from the file          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25592001 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 42.47552%, LTV/CLTV: 80.00000%/80.00000%, Credit Score: 737, Occupancy: Primary, Purpose: Purchase, Missing guidelines          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25592023 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower         No Defined Cure
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25592040 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2019) No evidence of initial CD in the file         No Defined Cure
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Credit Open   3 25592905 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Compliance Open   1 25755219 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25756238 Rental Income Documentation - 25% Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX.  Lease Agreement not provided or % of gross rents used is greater than 75%. (XXX/25% Vacancy Method) Appraisal with market rents was provided, and 75% gross rents was used.          
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Asset Asset Documentation Credit Open   3 25760815 Asset Issue:  Gift funds are missing evidence of receipt   Gift letter is illegible. Unable to determine the amount being gifted and also missing the currency conversion chart used to determine USD. Also missing evidence of borrowers receipt of these funds.         Provide missing documentation
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Income / Employment Income Documentation Credit Open   3 25760894 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2013            
275064215 XXX XXX XXX XXX Purchase Primary 10/XX/2019 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25760936 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Failure due to missing AUS/guides.         Lender to provide updated ATR/QM status
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   1 25748380 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2019                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750111 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750112 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Creditor did not provide FACTA Credit Score Disclosure.         Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750113 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Set Date Not Provided.         Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25750115 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) The employment verification was missing for the borrower at IFYI and for the co borrower at XXXX and prior employment at XXXX.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25750116 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25750124 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 28.31370%, LTV/CLTV: 79.93611%/79.93611%, Credit Score: 780, Occupancy: Primary, Purpose: Purchase, Unable to determine ability to repay due to missing guidelines.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750126 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750127 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Creditor did not provide List of Homeownership Counseling Organizations to borrower.         Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750130 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 12/XX/2019 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/12/XX/2019) TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien.         Letter of Explanation & Corrected Closing Disclosure
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750133 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/12/XX/2019) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.         No Defined Cure
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25750134 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).         No Defined Cure
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Income / Employment Income Documentation Credit Open   3 25750191 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2014 Wages / Start Date: 12/XX/2014, the verification of employment is required and was not found in file.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Income / Employment Income Documentation Credit Open   3 25750192 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2004 The employment verification was missing for the borrower at IFYI and for the co borrower at XXXX and prior employment at XXXX.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25750631 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25750643 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   2 25753174 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/12/XX/2019) The appraisal was not provided to the borrower.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25753176 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Failure due to missing guides.         Provide missing documentation
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25754348 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/10404232) Employment history does not meet Safe Harbor requirements.          
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Compliance Federal Compliance Compliance Open   3 25754349 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Employment history does not meet Safe Harbor requirements. File is also missing guides.         Lender to provide updated ATR/QM status
275064217 XXX XXX XXX XXX Purchase Primary 12/XX/2019 CA $XXX Loan Review Complete 2022-05-25 16:38:01.000000 Guideline Guideline Issue Credit Open   3 25754456 Borrower has been on current job less than 2 years, and prior employment history was not documented as required. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2019            
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Credit Open   3 25748847 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Credit Open   3 25748852 Missing Document: AUS not provided             Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Loan Package Documentation Application / Processing Compliance Open   1 25748853 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Insurance Insurance Analysis Credit Open   3 25748983 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Document Verified Hazard Insurance Coverage Amount is insufficient          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25749045 AUS/Guideline Findings: All conditions were not met   File is missing AUS/guidelines.          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Guideline Guideline Issue Credit Open   3 25749665 Aged document: Asset Account date is more than 90 days prior to Closing. Financial Institution: XXX // Account Type: Checking / Account Number: XXX, Financial Institution: XXX // Account Type: Savings / Account Number: XXX Asset Document date is more than 90 days prior to the Note date or notary date          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Credit Credit Documentation Credit Open   3 25749722 Aged document: Credit Report  is more than 90 days prior to the note date. Credit Report: Original // Borrower: XXX Document Verified Credit Report date is more than 90 days prior to the note date or notary date          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25750241 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25750245 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25750246 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25750248 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25750250 TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 01/XX/2020 not accurate. (Final/01/XX/2020) Page 1 of the CD reflects no escrows, however page 4 does.         Letter of Explanation & Corrected Closing Disclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25750251 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 01/XX/2020 not accurate. (Final/01/XX/2020) Page 1 of the CD reflects no escrows, however page 4 does.         Letter of Explanation & Corrected Closing Disclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Guideline Guideline Issue Credit Open   3 25750266 Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX. Cash to Borrower:  $XXX; Total Cash Out:    $XXX;  Refi Purpose:  Rate/Term            
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25752657 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25752743 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Initial disclosure is missing from file         Good faith redisclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25752744 Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Failure due to missing AUS/Guidelines.         Lender to provide updated ATR/QM status
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25752745 General Ability To Repay Provision Income and Assets - Partnership Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXX XXX/Partnership) third party verification within 10 business days of the note date is missing          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   3 25752746 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 46.90567%, LTV/CLTV: 47.88811%/47.88811%, Credit Score: 801, Occupancy: Primary, Purpose: Refinance, Rate/Term File is missing AUS/guides.          
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25753331 TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 did not disclose the Monthly Escrow Payment. (Final/01/XX/2020) Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 did not disclose the Monthly Escrow Payment.         Letter of Explanation & Corrected Closing Disclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25753332 TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 incorrectly disclosed whether the loan will have an escrow account. (Final/01/XX/2020) Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 incorrectly disclosed whether the loan will have an escrow account.         Letter of Explanation & Corrected Closing Disclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25753333 TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 incorrectly disclosed whether the loan will have an escrow account. (Final/01/XX/2020) Loan Disclosures: Final Closing Disclosure provided on 01/XX/2020 incorrectly disclosed whether the loan will have an escrow account.         Letter of Explanation & Corrected Closing Disclosure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25753334 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2020) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing         No Defined Cure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Compliance Federal Compliance Compliance Open   2 25753362 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower         No Defined Cure
275064218 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2020 NY $XXX Loan Review Complete 2022-05-26 14:12:32.000000 Collateral Missing/Incorrect Credit Open   3 25762116 Missing document: Lease on leasehold property is not in file             Provide missing documentation
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Loan Package Documentation Application / Processing Credit Open   1 25355030 Missing Document: Missing Final 1003             Provide missing documentation
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355031 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355032 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355033 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355034 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355035 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355036 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355037 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355038 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355039 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064360 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 NY $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355040 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25355046 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2013           Provide missing documentation
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355048 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355049 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355050 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355051 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355052 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355053 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355054 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355055 Maryland Counseling Disclosure Not In File Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355056 Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.            
275064359 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 MD $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355057 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
275064362 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 GA $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Miscellaneous Compliance Compliance Open   2 25355064 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275064362 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 GA $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355065 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064362 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 GA $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355066 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064362 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 GA $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355067 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064362 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2013 GA $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355068 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355202 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355203 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355204 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355205 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355206 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355207 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355208 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275064369 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25355209 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064356 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2010 NJ $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355453 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064356 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2010 NJ $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355454 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064356 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2010 NJ $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355455 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355447 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355448 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355449 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355450 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355451 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064363 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 MI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355452 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064357 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2012 TX $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355495 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064357 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2012 TX $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Title Lien Credit Open   3 25355496 Missing evidence of lien position on Other Financing. Lien Position: 2           Provide missing documentation
275064357 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2012 TX $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355497 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).            
275064364 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 OH $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355546 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064364 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 OH $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355547 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation.            
275064364 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 OH $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 25355548 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275064364 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 OH $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355549 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275064364 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 OH $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25355550 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355785 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355786 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355787 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days Unable to test GFE Estimate Available Through Date due to missing information.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355788 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355789 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355790 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355791 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355792 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25355793 Missing Document: Missing Final 1003             Provide missing documentation
275064355 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355794 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25355795 Missing Document: Missing Final 1003             Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25355796 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355797 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355798 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355799 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355800 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355801 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355802 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355803 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355804 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064358 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 2021-11-11 16:15:19.000000 Compliance Federal Compliance Compliance Open   2 25355805 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064368 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2021-12-02 16:05:43.000000 Compliance State Compliance Compliance Open   2 25356545 Illinois Late Charge Percent Testing Illinois Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.            
275064368 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2021-12-02 16:05:43.000000 Compliance State Compliance Compliance Open   2 25356546 Illinois Prepayment Penalty Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of  greater than 8%. Loan contracts for an interest rate of 8.25000%.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064351 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2008 NJ $XXX Loan Review Complete 2021-11-24 13:42:34.000000 Compliance Federal Compliance Compliance Open   2 25356665 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064351 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2008 NJ $XXX Loan Review Complete 2021-11-24 13:42:34.000000 Compliance Federal Compliance Compliance Open   2 25356666 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064351 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2008 NJ $XXX Loan Review Complete 2021-11-24 13:42:34.000000 Compliance Federal Compliance Compliance Open   2 25356667 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064334 XXX XXX XXX XXX Purchase Primary 6/XX/2001 SC $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25356714 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064334 XXX XXX XXX XXX Purchase Primary 6/XX/2001 SC $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25356715 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064334 XXX XXX XXX XXX Purchase Primary 6/XX/2001 SC $XXX Loan Review Complete 2021-11-04 15:46:15.000000 Compliance Federal Compliance Compliance Open   2 25356716 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064342 XXX XXX XXX XXX Purchase Primary 11/XX/2004 NJ $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 25357086 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064338 XXX XXX XXX XXX Purchase Primary 2/XX/2004 NY $XXX Loan Review Complete 2021-12-09 12:21:51.000000 Compliance Federal Compliance Compliance Open   2 25357172 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064350 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Loan Package Documentation Application / Processing Credit Open   1 25357279 Missing Document: Missing Final 1003             Provide missing documentation
275064350 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357280 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064350 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357281 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064350 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357282 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064350 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357283 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064344 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 FL $XXX Loan Review Complete 2021-12-16 09:16:04.000000 Loan Package Documentation Application / Processing Credit Open   1 25357505 Missing Document: Missing Final 1003             Provide missing documentation
275064344 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 FL $XXX Loan Review Complete 2021-12-16 09:16:04.000000 Compliance Federal Compliance Compliance Open   2 25357506 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064344 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2006 FL $XXX Loan Review Complete 2021-12-16 09:16:04.000000 Compliance Federal Compliance Compliance Open   2 25357507 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064354 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance State Compliance Compliance Open   2 25357522 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275064354 XXX XXX XXX XXX Purchase Primary 3/XX/2009 NY $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357523 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064336 XXX XXX XXX XXX Purchase Primary 3/XX/2003 IA $XXX Loan Review Complete 2021-12-09 12:21:51.000000 Compliance Federal Compliance Compliance Open   2 25357587 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064352 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 2021-12-23 09:12:04.000000 Compliance Federal Compliance Compliance Open   2 25357681 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064333 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 GA $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25357844 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064333 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 GA $XXX Loan Review Complete 2020-03-12 17:31:28.000000 Compliance Federal Compliance Compliance Open   2 25357845 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064343 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 2020-05-11 07:44:23.000000 Compliance Federal Compliance Compliance Open   2 25357937 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064343 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 2020-05-11 07:44:23.000000 Compliance Federal Compliance Compliance Open   3 25357938 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064361 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358282 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064361 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358283 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275064361 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358284 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064361 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 WA $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358285 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064335 XXX XXX XXX XXX Purchase Primary 12/XX/2001 TX $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358390 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064335 XXX XXX XXX XXX Purchase Primary 12/XX/2001 TX $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358391 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064335 XXX XXX XXX XXX Purchase Primary 12/XX/2001 TX $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358392 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 6.92900% is underdisclosed from calculated APR of 7.16859% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275064335 XXX XXX XXX XXX Purchase Primary 12/XX/2001 TX $XXX Loan Review Complete 2021-05-05 08:39:08.000000 Compliance Federal Compliance Compliance Open   2 25358393 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064371 XXX XXX XXX XXX Purchase Primary 9/XX/2017 MI $XXX Loan Review Complete 2021-11-29 23:38:50.000000 Property - Appraisal Appraisal Documentation Credit Open   3 25359313 Missing Document: Appraisal not provided   The file was missing a copy of the appraisal with color photos, as required by the guidelines.         Provide missing documentation
275064371 XXX XXX XXX XXX Purchase Primary 9/XX/2017 MI $XXX Loan Review Complete 2021-11-29 23:38:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25359314 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 07/XX/2021
Disaster End Date:  06/XX/2021		 The property is located in XXX, MI.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/2021 declared end date.          
275064371 XXX XXX XXX XXX Purchase Primary 9/XX/2017 MI $XXX Loan Review Complete 2021-11-29 23:38:50.000000 Compliance Federal Compliance Compliance Cured 11/13/2021 1 25359316 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7520)         (2021/XX/13): Sufficient Cure Provided At Closing Final CD evidences Cure
275064373 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2018 GA $XXX Loan Review Complete 2021-12-17 23:27:32.000000 Compliance Federal Compliance Compliance Open   2 25359482 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2018) valuation was provided and signed by the borrowers on day of closing          
275064373 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2018 GA $XXX Loan Review Complete 2021-12-17 23:27:32.000000 Compliance Federal Compliance Compliance Open   2 25359483 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7349) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064372 XXX XXX XXX XXX Refinance Cash-out - Other Investment 2/XX/2018 NH $XXX Loan Review Complete 2021-12-17 23:27:32.000000 Loan Package Documentation Application / Processing Credit Open   3 25359495 Missing Document: Fraud Report not provided             Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Loan Package Documentation Application / Processing Credit Open   1 25449190 Missing Document: Missing Final 1003             Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449236 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   3 25449237 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449238 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449239 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449240 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449241 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Federal Compliance Compliance Open   2 25449242 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25449243 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064592 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 FL $XXX Loan Review Complete 2022-04-25 10:18:15.000000 Compliance Miscellaneous Compliance Compliance Open   2 25449244 (Doc Error) Initial GFE not provided              
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Disclosure Missing Document Credit Open   3 25521677 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Credit Credit Eligibility Credit Open   2 25521701 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 79.00, Credit Report: Original // Public Record Type: Collections / Balance: 2048.00, Credit Report: Original // Public Record Type: Collections / Balance: 320.00, Credit Report: Original // Public Record Type: Collections / Balance: 256.00, Credit Report: Original // Public Record Type: Collections / Balance: 251.00, Credit Report: Original // Public Record Type: Collections / Balance: 160.00            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Disclosure Missing Document Credit Open   3 25521866 CAIVRS Authorization is missing. Disclosure: CAIVRS Authorization (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Property - Appraisal Appraisal Documentation Property Open   3 25521870 Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 Note Date:  05/XX/2021; Lien Position: 1           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521891 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521904 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521923 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521924 Important Notice to Homebuyer (92900-B) is missing. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Disclosure Missing Document Credit Open   3 25521925 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521931 Initial HUD Addendum 92900-A is missing. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   3 25521933 FHA Loan Transmittal (92900-LT) is missing. Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents)           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25522034 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021)            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25522035 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance State Compliance Compliance Open   2 25522036 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance State Compliance Compliance Open   2 25522037 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment.            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance State Compliance Compliance Open   2 25522038 Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25522039 TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2021 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/05/XX/2021) Initial Escrow Disclosure not provided.         Letter of Explanation & Corrected Closing Disclosure
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Guideline Guideline Issue Credit Open   3 25524325 FHA requires executed 4506 form, and was not found in file. Borrower: XXX            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Guideline Guideline Issue Credit Open   3 25524326 FHA requires executed 4506 form, and was not found in file. Borrower: XXX            
275064716 XXX XXX XXX XXX Purchase Primary 5/XX/2021 OH $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25538665 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Property - Appraisal Appraisal Documentation Property Open   3 25520414 Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 Note Date:  06/XX/2020; Lien Position: 1           Provide missing documentation
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Disclosure Missing Document Credit Open   3 25520570 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25520658 Missing Document: Verification of Identification not provided             Provide missing documentation
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance State Compliance Compliance Open   2 25520776 Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.            
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   3 25520856 HUD QM Points and Fees HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.10441% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .10441%). Points and fees exceed maximum threshold of 3% by .10441%.         HUD QM points and fees exceptions are not curable. HUD stated that it could not adopt the 1026.43 points and fees cure for a variety of reasons.  
See HUD's Qualified Mortgage Rule: Announcement of Intention To Adopt Changes Pertaining to Exempted Transaction List Published 11/03/2014.
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Guideline Guideline Issue Credit Open   3 25521023 Recent sale within 90 days is not eligible per FHA guidelines. Valuation Type: Appraisal / Valuation Report Date: 05/XX/2020 Last Sale Date: 02/XX/2020; Case Number Assignment Date: 05/XX/2020            
275064719 XXX XXX XXX XXX Purchase Primary 6/XX/2020 VA $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   3 25521167 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Failing loan designation due to points and fees.         Lender to provide updated ATR/QM status
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Loan Package Documentation Application / Processing Credit Open   2 25519595 Missing Document: Limited Denials of Participation (LDP) not provided     Borrower has worked in the same position for more than 3 years.

Borrower has been employed in the same industry for more than 5 years.		     (2023/XX/30): Comp factors used to regrade  exception Provide missing documentation
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Loan Package Documentation Application / Processing Credit Open   2 25519597 Missing Document: Fraud Report not provided     Borrower has been employed in the same industry for more than 5 years.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Compliance State Compliance Compliance Open   2 25519723 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   2 25520317 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) The Certification was not signed by the Seller or the Broker as required. Borrower has worked in the same position for more than 3 years.

Borrower has been employed in the same industry for more than 5 years.		     (2023/XX/30): Comp factors used to regrade  exception  
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Document Error General Credit Open   2 25520413 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)   Borrower has been employed in the same industry for more than 5 years.     (2023/XX/30): Comp factors used to regrade  exception  
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Loan Package Documentation Government Documentation Credit Open   2 25521389 FHA - Lead Based Paint Attachment - Attached to Purchase Contract is not compliant. Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) Verified: The Lead-Based Paint document was not signed by the seller. Borrower has worked in the same position for more than 3 years.

Borrower has been employed in the same industry for more than 5 years.		     (2023/XX/30): Comp factors used to regrade  exception  
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 25521690 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of HUD Safe Harbor QM. Loan is waterfalling to standard ATR/QM documentation requirements.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064721 XXX XXX XXX XXX Purchase Primary 3/XX/2021 OH $XXX Reviewed with Exceptions 2023-06-19 11:43:07.000000 Compliance Federal Compliance Compliance Open   2 28620905 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of HUD Safe Harbor QM matches the Due Diligence Loan Designation of HUD Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064722 XXX XXX XXX XXX Purchase Primary 11/XX/2020 MS $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Loan Package Documentation Application / Processing Credit Open   3 25520924 Missing Document: Fraud Report not provided             Provide missing documentation
275064724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2020 NC $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25521111 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/20/2020)            
275064724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2020 NC $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25521112 TILA NMLSR - Originator Company License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. License issued was dated 04/XX/2015, and status date 07/XX/2018          
275064724 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2020 NC $XXX Loan Review Complete 2022-05-05 18:30:01.000000 Compliance Federal Compliance Compliance Open   2 25524158 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/01/XX/2020) Loan estimated issued to the borrower on 1/XX/2020, with an electronic signature by the borrower on 1/XX/2020          
275064725 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DE $XXX Loan Review Complete 2019-06-17 03:07:57.000000 Compliance Miscellaneous Compliance Compliance Open   2 25525679 (Doc Error) Initial GFE not provided              
275064725 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DE $XXX Loan Review Complete 2019-06-17 03:07:57.000000 Compliance Federal Compliance Compliance Open   2 25525680 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064725 XXX XXX XXX XXX Purchase Primary 12/XX/2006 DE $XXX Loan Review Complete 2019-06-17 03:07:57.000000 Compliance Federal Compliance Compliance Open   2 25525681 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2006.           Provide missing documentation
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Loan Package Documentation Application / Processing Credit Open   1 25525902 Missing Document: Flood Certificate not provided             Provide missing documentation
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Compliance Federal Compliance Compliance Open   1 25525903 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Compliance Federal Compliance Compliance Open   2 25525904 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Compliance Federal Compliance Compliance Open   2 25525905 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Compliance Federal Compliance Compliance Open   3 25525906 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064718 XXX XXX XXX XXX Refinance UTD Primary 8/XX/2008 VA $XXX Loan Review Complete 2021-03-29 17:45:30.000000 Compliance Federal Compliance Compliance Open   2 25525907 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064723 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 2020-05-20 07:31:47.000000 Compliance Federal Compliance Compliance Open   2 25525921 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064723 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 2020-05-20 07:31:47.000000 Compliance Federal Compliance Compliance Open   2 25525922 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064723 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 2020-05-20 07:31:47.000000 Compliance Federal Compliance Compliance Open   2 25525923 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064723 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 2020-05-20 07:31:47.000000 Compliance State Compliance Compliance Open_unable_to_clear 06/08/2020 2 25525924 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.         (2020/XX/08): Trailing docs received; unable to clear.  
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25526092 Missing Document: Missing Final 1003             Provide missing documentation
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25526093 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Loan Package Documentation Government Documentation Credit Open   3 25526094 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Loan Package Documentation Government Documentation Credit Open   3 25526095 VA - Loan Summary Sheet 26-0286 is missing Disclosure: VA - Loan Summary Sheet 26-0286 (Government Documents)           Provide missing documentation
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Compliance Federal Compliance Compliance Open   2 25526096 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064717 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/1998 IN $XXX Loan Review Complete 2022-02-22 11:44:48.000000 Compliance Federal Compliance Compliance Open   2 25526097 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose $XXX Flood Cert Fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064834 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2000 MO $XXX Loan Review Complete 2022-05-19 13:44:33.000000 Compliance Federal Compliance Compliance Open   2 25643785 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275064834 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2000 MO $XXX Loan Review Complete 2022-05-19 13:44:33.000000 Compliance State Compliance Compliance Open   2 25643787 Missouri Prepayment Penalty Missouri Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 2% of the prepaid balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064834 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2000 MO $XXX Loan Review Complete 2022-05-19 13:44:33.000000 Compliance State Compliance Compliance Open   2 25643788 Missouri Prepayment Penalty ARM Missouri Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064834 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2000 MO $XXX Loan Review Complete 2022-05-19 13:44:33.000000 Compliance Federal Compliance Compliance Open   3 25671876 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable. Hud is missing page 2 of 3.       (2022/XX/07): HUD is missing page 2, unable to clear exception. Provide missing documentation
275064836 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Loan Package Documentation Government Documentation Credit Open   3 25643518 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064836 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Compliance Federal Compliance Compliance Open   2 25643586 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064836 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Compliance Federal Compliance Compliance Open   2 25643587 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064836 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Document Error General Credit Open   3 25673659 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064837 XXX XXX XXX XXX Purchase Primary 11/XX/2008 PA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Loan Package Documentation Government Documentation Credit Open   3 25643695 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064837 XXX XXX XXX XXX Purchase Primary 11/XX/2008 PA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Document Error General Credit Open   3 25643755 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064837 XXX XXX XXX XXX Purchase Primary 11/XX/2008 PA $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Compliance Federal Compliance Compliance Open   2 25643794 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064838 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 VT $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25643495 Missing Document: Missing Final 1003             Provide missing documentation
275064838 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 VT $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25643561 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064838 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 VT $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25643562 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064838 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 VT $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25643563 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064839 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Loan Package Documentation Closing / Title Compliance Open   2 25643808 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower          
275064839 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25643836 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064839 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25643837 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064839 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25673980 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received.          
275064833 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2008 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25643183 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064840 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25643953 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064841 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Closing / Title Compliance Open   2 25644908 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064841 XXX XXX XXX XXX Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25655938 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064842 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25649386 Missing Document: Missing Final 1003             Provide missing documentation
275064842 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25649727 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064842 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25649728 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275064842 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25649729 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064842 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25649730 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25647208 Missing Document: Missing Final 1003             Provide missing documentation
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25647846 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25647847 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25647848 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25647849 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25647866 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064843 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Closing / Title Credit Open   2 25647870 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064844 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25652279 Missing Document: Missing Final 1003             Provide missing documentation
275064844 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Closing / Title Credit Open   2 25652304 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064844 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25652317 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064845 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NJ $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25647179 Missing Document: Missing Final 1003             Provide missing documentation
275064845 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NJ $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25647787 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064845 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NJ $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance State Compliance Compliance Open   2 25647788 New Jersey Prepayment Penalty New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064845 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NJ $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25647789 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064845 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NJ $XXX Loan Review Complete 2022-05-19 15:11:37.000000 Compliance Federal Compliance Compliance Open   2 25674266 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064846 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Closing / Title Compliance Open   2 25648074 (Doc Error) TIL Error: Borrower signature not dated.              
275064846 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648095 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064846 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648096 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064846 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648097 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064846 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NJ $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648098 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Miscellaneous Compliance Compliance Open   2 25647890 (Doc Error) Initial GFE not provided              
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25647985 Missing Document: Missing Final 1003             Provide missing documentation
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648212 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance State Compliance Compliance Open   2 25648213 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648214 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648215 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064847 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25658415 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to missing detailed itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 PA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   3 25648929 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 PA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648930 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064848 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 PA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25648931 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064832 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MS $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25643155 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064832 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MS $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25643156 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064832 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MS $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25643157 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25650555 Missing Document: Missing Final 1003             Provide missing documentation
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25650610 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Miscellaneous Compliance Compliance Open   2 25650612 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25650614 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650620 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650621 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650627 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650628 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650629 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064849 XXX XXX XXX XXX Refinance UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25659815 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25650556 Missing Document: Missing Final 1003             Provide missing documentation
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Closing / Title Credit Open   2 25650646 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650666 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650667 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650668 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650669 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650670 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650671 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064850 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25650672 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064852 XXX XXX XXX XXX Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Loan Package Documentation Application / Processing Credit Open   1 25651660 Missing Document: Missing Final 1003             Provide missing documentation
275064852 XXX XXX XXX XXX Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25651676 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064855 XXX XXX XXX XXX Purchase Primary 3/XX/2006 IL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25651943 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064855 XXX XXX XXX XXX Purchase Primary 3/XX/2006 IL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25651944 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064855 XXX XXX XXX XXX Purchase Primary 3/XX/2006 IL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25651945 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064855 XXX XXX XXX XXX Purchase Primary 3/XX/2006 IL $XXX Loan Review Complete 2022-05-19 16:49:25.000000 Compliance Federal Compliance Compliance Open   2 25672986 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Loan Package Documentation Loan File Credit Open   3 25659574 Missing Document: Hazard Insurance Policy not provided   Master Condo Insurance Policy was not provided.         Provide missing documentation
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance State Compliance Compliance Open   2 25659575 Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. Evidence of borrower receipt was not located in file.          
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance State Compliance Compliance Open   2 25659576 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. Evidence of borrower receipt was not located in file.          
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance State Compliance Compliance Open   2 25659577 Maryland Ability to Repay Not Verified Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation. Freddie Mac Relief Refi 30yr Fxd LTV > 125% - Stated Income, Stated Assets, No Ratio          
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance Federal Compliance Compliance Open   2 25659578 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2016) Cure for various 0% and/or 10% tolerance violations was not provided.  Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.  Lender issued disclosures electronically prior to receiving consent for electronic disclosure from borrower.  As a result, initial rendered invalid for baseline testing.         Letter of Explanation & Corrected Closing Disclosure
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance Federal Compliance Compliance Open   2 25659579 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Original Loan Estimate dated 02/XX/2016 reflects Loan Disclount Points in the amount of $XXX; however Final Closing Disclosure reflects $XXX. Change of Circumstance documentation was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Insurance Insurance Analysis Credit Open   2 25659581 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   Updated policy was not provided.  Policy in file reflects the previous lender.          
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25659582 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 76.66520% exceeds Guideline total debt ratio of 43.00000%. Freddie Mac Relief Refi 30yr Fxd LTV > 125% - Stated Income, Stated Assets, No Ratio          
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance Federal Compliance Compliance Open   2 25659583 TRID Esign Consent Agreement Status ESIGN Act – Missing esign consent.  TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.  Disclosures sent electronically may result in a fee tolerance violation of up to $XXX and disclosure timing violations. Lender issued disclosures electronically prior to receiving consent for electronic disclosure from borrwer.  As a result, initial rendered invalid for baseline testing.         No Defined Cure
275064853 XXX XXX XXX XXX Refinance Streamlined Primary 6/XX/2016 MD $XXX Loan Review Complete 2019-05-17 09:07:28.000000 Compliance Federal Compliance Compliance Open   2 25659584 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX  is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) Missing VCC for reduction in lender credit.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064851 XXX XXX XXX XXX Purchase Primary 11/XX/2007 ID $XXX Loan Review Complete 2019-05-05 01:07:54.000000 Loan Package Documentation Closing / Title Compliance Open   2 25660003 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064851 XXX XXX XXX XXX Purchase Primary 11/XX/2007 ID $XXX Loan Review Complete 2019-05-05 01:07:54.000000 Compliance Federal Compliance Compliance Open   2 25660004 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064851 XXX XXX XXX XXX Purchase Primary 11/XX/2007 ID $XXX Loan Review Complete 2019-05-05 01:07:54.000000 Compliance Federal Compliance Compliance Open   3 25660005 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064851 XXX XXX XXX XXX Purchase Primary 11/XX/2007 ID $XXX Loan Review Complete 2019-05-05 01:07:54.000000 Compliance Federal Compliance Compliance Open   2 25660006 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064851 XXX XXX XXX XXX Purchase Primary 11/XX/2007 ID $XXX Loan Review Complete 2019-05-05 01:07:54.000000 Compliance Federal Compliance Compliance Open   2 25660007 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064854 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 CA $XXX Loan Review Complete 2019-06-17 06:58:39.000000 Compliance Federal Compliance Compliance Open   2 25660089 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2003.           Provide missing documentation
275064201 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2014 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25689438 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064201 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2014 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25689441 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan.            
275064201 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2014 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25689442 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever"  P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan.            
275064201 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2014 CA $XXX Loan Review Complete 2022-05-26 07:43:33.000000 Compliance Federal Compliance Compliance Open   2 25689443 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.            
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Property - Appraisal Appraisal Documentation Property Open   3 25816374 Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 Note Date:  06/XX/2020; Lien Position: 1           Provide missing documentation
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816375 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Insurance Insurance Documentation Credit Open   1 25816376 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Credit Credit Documentation Credit Open   3 25816377 The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.              
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25816378 Missing Document: Approval not provided             Provide missing documentation
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25816379 Missing Document: AUS not provided             Provide missing documentation
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816380 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for Loan Discount Points.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816381 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX  is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) Zero Percent Tolerance exceeded for Lender Credits.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816382 TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. The consumer was not provided with the right to receive a copy of the Appraisal Disclosure within 3 days          
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816383 TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2020) Loan Estimate Timing         No Defined Cure
275064860 XXX XXX XXX XXX Purchase Primary 6/XX/2020 GA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   2 25816384 RESPA -  Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information.           Provide missing documentation
275064861 XXX XXX XXX XXX Purchase Primary 9/XX/2021 CA $XXX Loan Review Complete 2022-05-27 13:28:33.000000 Loan Package Documentation Application / Processing Credit Open   3 25816437 Missing Document: Fraud Report not provided             Provide missing documentation
275064861 XXX XXX XXX XXX Purchase Primary 9/XX/2021 CA $XXX Loan Review Complete 2022-05-27 13:28:33.000000 Loan Package Documentation Application / Processing Credit Open   1 25816438 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2021                 
Disaster End Date: 10/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2021		            
275064861 XXX XXX XXX XXX Purchase Primary 9/XX/2021 CA $XXX Loan Review Complete 2022-05-27 13:28:33.000000 Compliance Federal Compliance Compliance Open   2 25816439 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Affiliated Business arrangement was provided and signed on 09/XX/2021          
275064861 XXX XXX XXX XXX Purchase Primary 9/XX/2021 CA $XXX Loan Review Complete 2022-05-27 13:28:33.000000 Compliance Federal Compliance Compliance Open   2 25816440 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 09/XX/2021 not accurate. (Final/09/XX/2021)           Letter of Explanation & Corrected Closing Disclosure
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Open   3 25816568 XXX Documentation Qualified Mortgage (Dodd-Frank 2014): XXX income documentation insufficient. (XXX XXX/XXX) Per the CLUES approval, borrower was to provide any of the following to verify SSA income: Award Letter, Most recent signed 1040, most recent 1099 OR a current print out from SSA.  Borrower provided most recent signed 1040 and most recent  1099 SSA for 2015.   (2019/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted. The borrower supplied all the required income documents to prove his XXX and pension income.  He provided a 2015 XXX statement, a pension award letter, 2015 taxes, and 2 bank statements (dated Sept 2016 and Jan 2017).  The tax returns and the bank statements confirm that the borrower was still receiving both XXX and pension income at the time the loan closed and he was to continue receiving it.  Supporting documentation uploaded as #XXX_Income.   (2019/XX/19): CLUES is not a decision system that is automatically Agency Salable.  Income documentation insufficient to meet Appendix Q.  SII requires the awards letter.  
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Open   3 25816569 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Due to missing income documentation condition.   (2019/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted. The borrower supplied all the required income documents to prove his XXX and pension income.  He provided a 2015 XXX statement, a pension award letter, 2015 taxes, and 2 bank statements (dated Sept 2016 and Jan 2017).  The tax returns and the bank statements confirm that the borrower was still receiving both XXX and pension income at the time the loan closed and he was to continue receiving it.  Supporting documentation uploaded as #XXX_Income.   (2019/XX/19): CLUES is not a decision system that is automatically Agency Salable.  Income documentation insufficient to meet Appendix Q.  SSI Requires actual awards letter. Provide missing documentation
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Cleared 09/19/2019 1 25816570 General Ability To Repay Provision Mortgage-Related Obligations Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. Please provide Taxes, HOA and Insurance payment for subject       (2019/XX/19): Taxes and insurance included in HOA fees.  
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Open   3 25816572 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk. Please provide loan designation.   (2019/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted. The borrower supplied all the required income documents to prove his XXX and pension income.  He provided a 2015 XXX statement, a pension award letter, 2015 taxes, and 2 bank statements (dated Sept 2016 and Jan 2017).  The tax returns and the bank statements confirm that the borrower was still receiving both XXX and pension income at the time the loan closed and he was to continue receiving it.  Supporting documentation uploaded as #XXX_Income.   (2019/XX/19): CLUES is not a decision system that is automatically Agency Salable.  Income documentation insufficient to meet Appendix Q.  SSI Requires actual awards letter.

(2019/XX/19): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Fail.		  
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Open   2 25816573 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 02/XX/2017 not accurate. (Final/02/XX/2017) The final CD reflects total property costs over 1 year to be $XXX.         Letter of Explanation & Corrected Closing Disclosure
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Waived 12/12/2019 1 25816574 TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2017 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/02/XX/2017) Sec F on the Final CD dated 2/XX/17 reflects the following:  $XXX from 2/XX/17 to 2/XX/17 which is 12 days.  $XXX x 12 days = $XXX which is the amount reflected.       (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A Letter of Explanation & Corrected Closing Disclosure
275064857 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2017 NY $XXX Loan Review Complete 2019-08-08 10:06:28.000000 Compliance Federal Compliance Compliance Cured 08/07/2019 1 25816575 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506) A cure was provided to borrower on CD issued on 02/XX/2017 in the amount of $XXX.         Final CD evidences Cure
275064882 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-05-26 17:11:41.000000 Loan Package Documentation Application / Processing Credit Open   3 25817034 Missing Document: Fraud Report not provided             Provide missing documentation
275064882 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-05-26 17:11:41.000000 Loan Package Documentation Application / Processing Credit Open   3 25817035 Missing Document: AUS not provided             Provide missing documentation
275064882 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-05-26 17:11:41.000000 Compliance Federal Compliance Compliance Open   2 25817036 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2016). (Final/11/XX/2016) Finance charge is under disclosed by $XXX. Unable to determine under disclosure as file does not contain an itemization or compliance report.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25817155 Missing Document: Fraud Report not provided             Provide missing documentation
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Open   1 25817156 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2015                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Income / Employment Income Documentation Credit Open   3 25817157 REO Documents are missing. Address: XXX, CA Tax Verification           Provide missing documentation
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   2 25817158 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2015)            
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   2 25817159 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 12/XX/2015 not accurate. (Final/12/XX/2015) The difference reflected on the final CD is $XXX less than the actual amount estimated property costs over 1 year.         Letter of Explanation & Corrected Closing Disclosure
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   3 25817160 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Manual underwritten.  Missing guidelines         Provide missing documentation
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   3 25817161 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 43.86214%, LTV/CLTV: 70.00000%/70.00000%, Credit Score: 725, Occupancy: Second Home, Purpose: Purchase, Manual underwritten.  Missing guidelines          
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25817163 AUS/Guideline Findings: All conditions were not met   Missing guidelines          
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   3 25817164 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Risk.            
275064876 XXX XXX XXX XXX Purchase Second Home 12/XX/2015 CA $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   3 25817165 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Calculated dti exceeds 43%.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25817169 Missing Document: Fraud Report not provided             Provide missing documentation
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   3 25817170 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. ATR Risk Violation is noted on the lender exception and was approved with the exception due to compensating factors.         Lender to provide updated ATR/QM status
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   3 25817171 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. DTI exceeds the maximum and violation for the ATR Risk and DTI were approved by the lender. .          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Loan Package Documentation Application / Processing Credit Open   1 25817172 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2015                 
Disaster End Date: 09/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2020		            
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   3 25817173 General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.97739% significantly exceeds the guideline maximum of 47.91%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) Exception for DTI in file with compelling compensation factors including length of employment, fico, asset portfolio and LTV.  Please override.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   3 25817174 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 53.97739%, LTV/CLTV: 67.73163%/67.73163%, Credit Score: 767, Occupancy: Primary, Purpose: Purchase, Exception in file with compelling compensation factors of length of employment, fico, asset portfolio and LTV.  Please override.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Property - Appraisal Appraisal Data Integrity Property Open   3 25817175 Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 10/XX/2015 The subject property was inspected prior to the effective date of the license and additional information regarding the license was not provided.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 25817176 AUS Findings: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 45.52200% exceeds AUS housing ratio of 44.90000%. Exception in file with compelling compensation factors of length of employment, fico, asset portfolio and LTV.  Please override.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 25817177 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 53.97739% exceeds AUS total debt ratio of 47.91000%. Exception in file with compelling compensation factors of length of employment, fico, asset portfolio and LTV.  Please override.          
275064879 XXX XXX XXX XXX Purchase Primary 10/XX/2015 CA $XXX Loan Review Complete 2022-05-27 16:17:50.000000 Compliance Federal Compliance Compliance Open   3 25817178 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Exception in file with compelling compensation factors of length of employment, fico, asset portfolio and LTV.          
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Loan Package Documentation Application / Processing Credit Open   3 25817242 Missing Document: Fraud Report not provided             Provide missing documentation
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Loan Package Documentation Application / Processing Credit Open   1 25817243 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2014                 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		            
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817244 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2014)            
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   3 25817245 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   3 25817246 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 38.57145%, LTV/CLTV: 53.27660%/53.27660%, Credit Score: 720, Occupancy: Primary, Purpose: Refinance, Cash-out - Other Unable to determine ability to repay due to missing guidelines.          
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817247 General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). Unable to determine ability to repay due to missing guidelines.          
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   3 25817248 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. Unable to determine ability to repay due to missing guidelines.         Lender to provide updated ATR/QM status
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817249 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. No evidence in loan file to proof  the CHARM Booklet and consumer handbook on Adjustable Rate Mortgages were provided to the borrower         No Defined Cure
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817250 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817251 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2015, prior to three (3) business days from transaction date of 01/XX/2015. Subject loan transaction disbursed on 01/XX/2015, prior to three (3) business days from transaction date of 02/XX/2015.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   2 25817252 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Notice of right to cancel  expiry date occurs on 1/XX/15 which is prior to the expected expiry date.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   3 25817253 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp)            
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Compliance Federal Compliance Compliance Open   3 25817254 Self Employed Financial Strength Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/S-Corp)            
275064877 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 14:07:31.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 25817255 AUS/Guideline Findings: All conditions were not met   AUS refer. Manual UW was done by the lender. Unable to determine guidelines and if all conditions were met.          
275064880 XXX XXX XXX XXX Purchase Primary 7/XX/2016 NJ $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Open   3 25817397 Missing Document: Fraud Report not provided             Provide missing documentation
275064880 XXX XXX XXX XXX Purchase Primary 7/XX/2016 NJ $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Cleared 06/08/2022 1 25817398 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/XX/2016                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		     (2022/XX/31): The issue cited has either been resolved or was determined to not be an exception as noted. See attached property inspection dated in 04/XX/2022, which is after the Disaster end date of 09/XX/20221 reported.  As such, this matter is considered resolved.   The missing document have been located and uploaded as   #XXX XXX_Property inspection _5/XX/2022   (2022/XX/08): Inspection provided. Exception cleared  
275064880 XXX XXX XXX XXX Purchase Primary 7/XX/2016 NJ $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Income / Employment Income Documentation Credit Open   3 25817399 REO Documents are missing. Address: XXX, NJ Statement Missing statement to verify P&I.         Provide missing documentation
275064873 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CO $XXX Loan Review Complete 2018-10-13 17:04:36.000000 Compliance Federal Compliance Compliance Open   2 25817907 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064873 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CO $XXX Loan Review Complete 2018-10-13 17:04:36.000000 Compliance Federal Compliance Compliance Open   2 25817908 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064873 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CO $XXX Loan Review Complete 2018-10-13 17:04:36.000000 Compliance Federal Compliance Compliance Open   2 25817909 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064873 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CO $XXX Loan Review Complete 2018-10-13 17:04:36.000000 Compliance Federal Compliance Compliance Open   2 25817910 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064873 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 CO $XXX Loan Review Complete 2018-10-13 17:04:36.000000 Compliance Federal Compliance Compliance Open   2 25817911 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275064889 XXX XXX XXX XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 2019-01-03 11:42:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 25818237 (Doc Error) Initial GFE not provided              
275064889 XXX XXX XXX XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 2019-01-03 11:42:08.000000 Compliance Federal Compliance Compliance Open   2 25818238 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064889 XXX XXX XXX XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 2019-01-03 11:42:08.000000 Compliance Federal Compliance Compliance Open   2 25818239 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2005.           Provide missing documentation
275064889 XXX XXX XXX XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 2019-01-03 11:42:08.000000 Compliance Federal Compliance Compliance Open   2 25818240 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064889 XXX XXX XXX XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 2019-01-03 11:42:08.000000 Compliance Federal Compliance Compliance Open   2 25818241 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820050 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820051 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064866 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820052 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064863 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 ID $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance State Compliance Compliance Open   2 25820063 Idaho Prepayment Penalty Idado Prepayment Penalty:  Loan contains a prepayment penalty which was not disclosed separately in writing to borrower within three (3) days of application.            
275064863 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 ID $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820064 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064863 XXX XXX XXX XXX Purchase Second Home 11/XX/2005 ID $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   3 25820065 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064865 XXX XXX XXX XXX Purchase Primary 6/XX/2006 IL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820114 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064865 XXX XXX XXX XXX Purchase Primary 6/XX/2006 IL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820115 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064865 XXX XXX XXX XXX Purchase Primary 6/XX/2006 IL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820116 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the lender utilizing an index value of 4.011% per the rate lock, however the lowest index value available in the lookback period is 4.28167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Loan Package Documentation Application / Processing Credit Open   1 25820117 Missing Document: Missing Final 1003             Provide missing documentation
275064864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance State Compliance Compliance Open   2 25820118 California Prepayment Penalty California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820119 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064864 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820120 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064890 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NM $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820129 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064890 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NM $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820130 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064890 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NM $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820131 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064890 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NM $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820132 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064870 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2008 WI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Loan Package Documentation Government Documentation Credit Open   3 25820157 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064888 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 25820191 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064888 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820192 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064888 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820193 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064888 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820194 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064888 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820195 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is
not signed or dated by borrower so cannot confirm that borrower received.		          
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25820613 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820614 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820615 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820617 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820618 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820619 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820620 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 25820621 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Loan Package Documentation Application / Processing Credit Open   1 25820622 Missing Document: Missing Final 1003             Provide missing documentation
275064893 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Loan Package Documentation Closing / Title Compliance Open   2 25820623 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275064872 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820707 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064872 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 25820708 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064872 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 25820709 (Doc Error) Initial GFE not provided              
275064871 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 25820860 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064871 XXX XXX XXX XXX Purchase Primary 12/XX/2007 TX $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 25820861 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064874 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 NJ $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 25820865 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064875 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 VA $XXX Loan Review Complete 2022-05-16 14:26:53.000000 Loan Package Documentation Government Documentation Credit Open   3 25820887 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064875 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 VA $XXX Loan Review Complete 2022-05-16 14:26:53.000000 Compliance Federal Compliance Compliance Open   2 25820888 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064875 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 VA $XXX Loan Review Complete 2022-05-16 14:26:53.000000 Compliance Federal Compliance Compliance Open   2 25820889 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure is due to the Lender's TIL reflecting MI being in force for 60 months, however based on the loan amount and appraised value the MI would be in force for 82 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064887 XXX XXX XXX XXX Purchase Primary 4/XX/2007 MD $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 25820995 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064887 XXX XXX XXX XXX Purchase Primary 4/XX/2007 MD $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 25820996 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Loan Package Documentation Application / Processing Credit Open   1 25821808 Missing Document: Missing Final 1003             Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25821809 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25821810 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Title Lien Credit Open   3 25821811 Missing note/terms on senior lien.  Subject loan is in second position. Lien Position: 1           Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821812 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821813 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821814 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064897 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821815 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Loan Package Documentation Application / Processing Credit Open   1 25821874 Missing Document: Missing Final 1003             Provide missing documentation
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821875 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821876 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821877 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821878 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25821879 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25821880 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064898 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Title Lien Credit Open   3 25821881 Missing note/terms on senior lien.  Subject loan is in second position. Lien Position: 1           Provide missing documentation
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25821891 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Loan Package Documentation Application / Processing Credit Open   1 25821892 Missing Document: Missing Final 1003             Provide missing documentation
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25821893 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Title Lien Credit Open   3 25821894 Missing note/terms on senior lien.  Subject loan is in second position. Lien Position: 1           Provide missing documentation
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821895 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821896 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821897 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064899 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25821898 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Loan Package Documentation Application / Processing Credit Open   1 25822543 Missing Document: Missing Final 1003             Provide missing documentation
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822544 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822545 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822546 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   3 25822547 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822548 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822549 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Compliance Federal Compliance Compliance Open   2 25822550 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 25822551 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064902 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 MD $XXX Loan Review Complete 2022-05-26 07:39:44.000000 Title Lien Credit Open   3 25822552 Missing note/terms on senior lien.  Subject loan is in second position. Lien Position: 1           Provide missing documentation
275064904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2013 PA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25823834 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.           Provide missing documentation
275064904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2013 PA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25823835 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275064904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2013 PA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25823836 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275064904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2013 PA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25823837 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275064904 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2013 PA $XXX Loan Review Complete 2022-05-24 10:11:13.000000 Compliance Federal Compliance Compliance Open   2 25823838 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275064905 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2015 MS $XXX Loan Review Complete 2022-05-23 17:24:37.000000 Loan Package Documentation Application / Processing Credit Open   1 25823846 Missing Document: Missing Final 1003             Provide missing documentation
275064905 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2015 MS $XXX Loan Review Complete 2022-05-23 17:24:37.000000 Compliance Federal Compliance Compliance Open   2 25823847 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064905 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2015 MS $XXX Loan Review Complete 2022-05-23 17:24:37.000000 Compliance Federal Compliance Compliance Open   2 25823849 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064905 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2015 MS $XXX Loan Review Complete 2022-05-23 17:24:37.000000 Compliance Federal Compliance Compliance Open   2 25823850 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064905 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2015 MS $XXX Loan Review Complete 2022-05-23 17:24:37.000000 Compliance Federal Compliance Compliance Open   2 25823852 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2015, prior to three (3) business days from transaction date of 09/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064990 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2003 OH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25987096 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064990 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2003 OH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25999612 Missing Document: Missing Final 1003             Provide missing documentation
275064991 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25987140 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064991 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25987142 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064991 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25987148 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064991 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25987233 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064991 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25987234 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064907 XXX XXX XXX XXX Refinance Cash-out - Other Investment 1/XX/2004 AR $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975116 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064909 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975220 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064909 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975221 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064909 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975222 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064910 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975060 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064910 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 25975061 Pennsylvania First Lien Late Charge Grace Period Testing Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064910 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975062 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064910 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975063 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064911 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 WI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975035 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064911 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 WI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975036 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization under disclosed the underwriting fee by $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25975524 Missing Document: Missing Final 1003             Provide missing documentation
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25975550 (Doc Error) Initial GFE not provided              
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975694 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975695 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975696 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064913 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975697 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064914 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975679 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064915 XXX XXX XXX XXX Purchase Investment 3/XX/2003 MD $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25975798 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064920 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 MS $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25976207 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064920 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 MS $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25976209 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064920 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 MS $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25976210 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064921 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2004 CA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25976404 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064922 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25976626 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064935 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982432 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064935 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982433 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064935 XXX XXX XXX XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982434 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064936 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982973 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064937 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982996 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064937 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982997 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064937 XXX XXX XXX XXX Purchase Primary 12/XX/2004 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25982998 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983347 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 25983349 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 25983350 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 25983351 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983352 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064941 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2004 MI $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983353 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064944 XXX XXX XXX XXX Refinance Cash-out - Other Investment 12/XX/2003 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983554 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064948 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25983218 Missing Document: Missing Final 1003             Provide missing documentation
275064948 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983321 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064948 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983323 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064948 XXX XXX XXX XXX Purchase Primary 2/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983324 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064949 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25983044 Missing Document: Missing Final 1003             Provide missing documentation
275064949 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983155 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064949 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25983156 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064950 XXX XXX XXX XXX         $XXX Loan Review Complete 2022-06-15 15:06:56.000000 Loan Package Documentation Loan File Compliance Open   3 25987474 (Missing Doc) Incomplete loan images/file   Status is Missing. File contains Servicing documentation but  does not contain Legal or Compliance documents for the subject.   (2022/XX/06): Supporting Docs Sent/Uploaded   (2022/XX/06): No origination documents were received. Provide missing documentation
275064956 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 CA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25984071 Missing Document: Missing Final 1003             Provide missing documentation
275064956 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 CA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985078 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064956 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 CA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985079 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Closing / Title Compliance Open   2 25985028 (Doc Error) TIL Error: Borrower signature not dated.              
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25985047 (Doc Error) Initial GFE not provided              
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   3 25985061 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Material Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985062 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985063 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985064 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064962 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 WA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25985065 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064965 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 FL $XXX Loan Review Complete 2022-06-20 17:32:06.000000 Loan Package Documentation Application / Processing Credit Open   1 25987494 Missing Document: Missing Final 1003             Provide missing documentation
275064965 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 FL $XXX Loan Review Complete 2022-06-20 17:32:06.000000 Loan Package Documentation Application / Processing Compliance Open   1 25987495 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064965 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 FL $XXX Loan Review Complete 2022-06-20 17:32:06.000000 Loan Package Documentation Closing / Title Compliance Open   3 25987497 Missing Document: Note - Subject Lien not provided             Provide missing documentation
275064965 XXX XXX XXX XXX UTD UTD UTD 4/XX/2002 FL $XXX Loan Review Complete 2022-06-20 17:32:06.000000 Loan Package Documentation Loan File Compliance Open   3 25987525 (Missing Doc) Incomplete loan images/file   File only contains Mortgage. Compliance testing not completed.   (2022/XX/06): Supporting Docs Sent/Uploaded   (2022/XX/06): No origination documents were received. Provide missing documentation
275064974 XXX XXX XXX XXX Purchase Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25992023 Missing Document: Missing Final 1003             Provide missing documentation
275064974 XXX XXX XXX XXX Purchase Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25992036 (Doc Error) Initial GFE not provided              
275064974 XXX XXX XXX XXX Purchase Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25992049 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064974 XXX XXX XXX XXX Purchase Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25992050 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064974 XXX XXX XXX XXX Purchase Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25992051 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064985 XXX XXX XXX XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 25986031 Missing Document: Missing Final 1003             Provide missing documentation
275064985 XXX XXX XXX XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25986264 (Doc Error) Initial GFE not provided              
275064985 XXX XXX XXX XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25986433 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064985 XXX XXX XXX XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25986435 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064985 XXX XXX XXX XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25986436 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Second Home 8/XX/2004 ME $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 25986594 (Doc Error) Initial GFE not provided              
275064986 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Second Home 8/XX/2004 ME $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 25986633 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Insurance Insurance Documentation Credit Open   1 25893690 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Loan Package Documentation Application / Processing Credit Open   1 25893691 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2017                 
Disaster End Date: 05/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2019		            
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Compliance State Compliance Compliance Open   2 25893692 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Compliance Federal Compliance Compliance Open   2 25893693 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017) The Final Closing Disclosure did not indicate the amount of the total Closing Costs exceeding the legal limit.         Letter of Explanation & Corrected Closing Disclosure
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Compliance Federal Compliance Compliance Open   2 25893694 TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. The Borrower signed an acknowledgement on 7/XX/2017 regarding receipt of the Home Loan Toolkit, however evidence of the date provided is not included.         No Defined Cure
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Compliance Federal Compliance Compliance Open   2 25893695 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064982 XXX XXX XXX XXX Purchase Primary 7/XX/2017 OH $XXX Loan Review Complete 2019-09-18 22:09:59.000000 Compliance Federal Compliance Compliance Open   2 25893696 TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 07/XX/2017 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation The Closing Disclosure reflects a Date Issued of 7/XX/2017, the Borrower did not sign the document to determine the date received, Closing Date is 7/XX/2017.         No Defined Cure
275064959 XXX XXX XXX XXX Purchase Primary 4/XX/2006 TX $XXX Loan Review Complete 2019-07-19 12:07:37.000000 Insurance Insurance Documentation Credit Open   1 25893981 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064959 XXX XXX XXX XXX Purchase Primary 4/XX/2006 TX $XXX Loan Review Complete 2019-07-19 12:07:37.000000 Compliance Federal Compliance Compliance Open   2 25893982 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064926 XXX XXX XXX XXX Purchase Second Home 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 12:18:41.000000 Compliance Federal Compliance Compliance Open   2 25893984 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2007.           Provide missing documentation
275064926 XXX XXX XXX XXX Purchase Second Home 10/XX/2007 NY $XXX Loan Review Complete 2019-07-19 12:18:41.000000 Compliance Federal Compliance Compliance Open   2 25893985 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064919 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2008 CA $XXX Loan Review Complete 2018-12-11 09:32:27.000000 Compliance Federal Compliance Compliance Open   2 25894019 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2008.           Provide missing documentation
275064919 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2008 CA $XXX Loan Review Complete 2018-12-11 09:32:27.000000 Loan Package Documentation Application / Processing Credit Open   1 25894020 Missing Document: Missing Final 1003             Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Loan Package Documentation Application / Processing Credit Open   1 25894081 Missing Document: Missing Final 1003             Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Credit Credit Documentation Credit Open   3 25894082 Missing Document: Credit Report not provided             Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Miscellaneous Compliance Compliance Open   2 25894083 (Doc Error) Initial GFE not provided              
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Cleared 09/27/2018 1 25894084 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.         (2019/XX/14): Received Final HUD-1, exception cleared. Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Cleared 09/27/2018 1 25894085 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2019/XX/14): Received Final HUD-1, exception cleared. Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Cleared 09/27/2018 1 25894086 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 11/XX/2006.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019/XX/14): Received Final HUD-1, exception cleared. Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Cleared 09/27/2018 1 25894087 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.         (2019/XX/14): Received Appraisal, exception cleared.  
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance State Compliance Compliance Open   2 25894088 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation.            
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance State Compliance Compliance Open   2 25894089 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance State Compliance Compliance Open   2 25894090 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Cleared 09/27/2018 1 25894091 TILA - Final TIL Missing Missing Final TIL.         (2019/XX/14): Received Final TIL, exception cleared. Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Property - Appraisal General Appraisal Requirements Compliance Cleared 09/27/2018 1 25894092 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2019/XX/14): Received Appraisal, exception cleared.  
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Property - Appraisal Appraisal Documentation Credit Cleared 09/27/2018 1 25894093 Missing Document: Appraisal not provided           (2019/XX/14): Received Appraisal, exception cleared. Provide missing documentation
275064958 XXX XXX XXX XXX Purchase Primary 5/XX/2007 OH $XXX Loan Review Complete 2019-08-14 04:11:43.000000 Compliance Federal Compliance Compliance Open   2 25894094 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance Miscellaneous Compliance Compliance Open   2 25894261 (Doc Error) Initial GFE not provided              
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance Federal Compliance Compliance Open   2 25894262 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance Federal Compliance Compliance Open   2 25894263 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance State Compliance Compliance Open   2 25894264 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance State Compliance Compliance Open   2 25894265 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance State Compliance Compliance Open   2 25894266 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance Federal Compliance Compliance Open   2 25894267 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance Federal Compliance Compliance Open   2 25894268 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064946 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 2019-08-14 04:24:57.000000 Compliance State Compliance Compliance Open   2 25894269 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP expired. The PPP of 6 months exceeds the state limit of 1%.          
275064927 XXX XXX XXX XXX Purchase Investment 2/XX/2006 GA $XXX Loan Review Complete 2019-08-14 04:26:48.000000 Compliance Federal Compliance Compliance Open   2 25894283 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2006.           Provide missing documentation
275064927 XXX XXX XXX XXX Purchase Investment 2/XX/2006 GA $XXX Loan Review Complete 2019-08-14 04:26:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 25894284 (Doc Error) Initial GFE not provided              
275064972 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 25894541 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2007.           Provide missing documentation
275064972 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 25894542 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064972 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Federal Compliance Compliance Open   2 25894543 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064972 XXX XXX XXX XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Loan Package Documentation Application / Processing Credit Open   1 25894544 Missing Document: Missing Final 1003             Provide missing documentation
275064996 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 2019-09-04 13:55:38.000000 Compliance Federal Compliance Compliance Open   2 25894986 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064973 XXX XXX XXX XXX Purchase Primary 11/XX/2007 GA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 25894987 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064973 XXX XXX XXX XXX Purchase Primary 11/XX/2007 GA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Loan Package Documentation Application / Processing Credit Open   1 25894988 Missing Document: Missing Final 1003             Provide missing documentation
275064970 XXX XXX XXX XXX Purchase Primary 12/XX/2004 PA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 25895071 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064960 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 PA $XXX Loan Review Complete 2019-09-19 14:24:16.000000 Compliance Federal Compliance Compliance Open   2 25895139 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064960 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 PA $XXX Loan Review Complete 2019-09-25 10:41:35.000000 Insurance Insurance Documentation Credit Open   1 25895140 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064934 XXX XXX XXX XXX Purchase Primary 10/XX/1994 GA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 25895168 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064934 XXX XXX XXX XXX Purchase Primary 10/XX/1994 GA $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Loan Package Documentation Application / Processing Credit Open   1 25895169 Missing Document: Missing Final 1003             Provide missing documentation
275064954 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 PA $XXX Loan Review Complete 2021-11-15 16:46:33.000000 Compliance Federal Compliance Compliance Open   2 25895176 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064954 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 PA $XXX Loan Review Complete 2021-11-15 16:46:33.000000 Compliance State Compliance Compliance Open   2 25895177 Pennsylvania First Lien Late Charge Grace Period Testing Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064954 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 PA $XXX Loan Review Complete 2021-11-15 16:46:33.000000 Compliance Federal Compliance Compliance Open   2 25895178 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064954 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 PA $XXX Loan Review Complete 2021-11-15 16:46:33.000000 Compliance Federal Compliance Compliance Open   2 25895179 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064954 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 PA $XXX Loan Review Complete 2021-11-15 16:46:33.000000 Compliance Federal Compliance Compliance Open   2 25895180 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause if under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064939 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 IN $XXX Loan Review Complete 2021-11-22 13:01:35.000000 Compliance Federal Compliance Compliance Open   2 25895273 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064939 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 IN $XXX Loan Review Complete 2021-11-22 13:01:35.000000 Compliance Federal Compliance Compliance Open   2 25895274 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2001, prior to three (3) business days from transaction date of 07/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064939 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 IN $XXX Loan Review Complete 2021-11-22 13:01:35.000000 Compliance Federal Compliance Compliance Open   2 25895275 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065110 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212986 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065114 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MO $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26197061 Missing Document: Missing Final 1003             Provide missing documentation
275065114 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MO $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26197140 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065114 XXX XXX XXX XXX Purchase Primary 8/XX/2006 MO $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26197141 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065117 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199440 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065117 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26199441 California Prepayment Penalty ARM Test California Prepayment Penalty:  Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.            
275065117 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26199442 California Prepayment Penalty Test California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable.  Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065117 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199443 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065117 XXX XXX XXX XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199444 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065123 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 ME $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199787 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065123 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 ME $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199788 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Insurance Insurance Documentation Credit Open   1 26199903 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199977 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199978 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26199979 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26199980 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26199981 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199982 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065124 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199983 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065132 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26200156 Missing Document: Missing Final 1003             Provide missing documentation
275065132 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26200274 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065136 XXX XXX XXX XXX Purchase Primary 2/XX/2007 AZ $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Insurance Insurance Documentation Credit Open   1 26205835 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065136 XXX XXX XXX XXX Purchase Primary 2/XX/2007 AZ $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205893 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065136 XXX XXX XXX XXX Purchase Primary 2/XX/2007 AZ $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205894 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26201759 Missing Document: Missing Final 1003             Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26201841 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26201852 (Doc Error) Initial GFE not provided              
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26201866 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201886 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   3 26201887 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201888 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201890 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201891 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201892 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065167 XXX XXX XXX XXX UTD UTD UTD 7/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201893 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065170 XXX XXX XXX XXX Purchase Primary 9/XX/2000 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26201801 Missing Document: Missing Final 1003             Provide missing documentation
275065170 XXX XXX XXX XXX Purchase Primary 9/XX/2000 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26201929 (Doc Error) Initial GFE not provided              
275065170 XXX XXX XXX XXX Purchase Primary 9/XX/2000 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201946 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275065170 XXX XXX XXX XXX Purchase Primary 9/XX/2000 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   3 26201947 Missing Final HUD-1:  Illegible HUD-1 Used For Fee Testing Material Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. Fees were legible enough to tie back to the settlement charges.         Provide missing documentation
275065170 XXX XXX XXX XXX Purchase Primary 9/XX/2000 TX $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26201948 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26202381 Missing Document: Missing Final 1003             Provide missing documentation
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 26202454 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215826 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215827 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26215828 Georgia Home Loan (Arbitration Clause) Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.            
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215829 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065179 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215834 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065183 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 ME $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205889 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065183 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 ME $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205890 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26205412 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26205414 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26205415 (Doc Error) Initial GFE not provided              
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205434 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   3 26205435 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205436 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205437 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205438 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205439 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065185 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26205440 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065190 XXX XXX XXX XXX Purchase Investment 3/XX/2007 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26211243 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065191 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 IN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26211362 (Doc Error) Initial GFE not provided              
275065191 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 IN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26211370 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065191 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 IN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26211371 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065192 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26211389 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065198 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26212883 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065198 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212886 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065198 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   3 26212887 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065198 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212888 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065198 XXX XXX XXX XXX Purchase Primary 5/XX/2005 WI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212889 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26212783 Missing Document: Missing Final 1003             Provide missing documentation
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215302 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26215303 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26215304 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26215305 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275065200 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26215306 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
275065205 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 AL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26213403 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275065205 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 AL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26213437 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065205 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 AL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26225711 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26217123 Missing Document: Missing Final 1003             Provide missing documentation
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26217229 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26217230 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26217231 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26217232 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26217233 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 26217243 (Doc Error) TIL Error: Borrower signature not dated.              
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26217244 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose, Homestead Exemption Waiver            
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26226856 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065208 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 26226858 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065210 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26218366 Missing Document: Missing Final 1003             Provide missing documentation
275065210 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218388 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065210 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218389 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065210 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218390 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065211 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218912 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065211 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218913 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065211 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218914 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065211 XXX XXX XXX XXX Purchase Primary 8/XX/2005 GA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26218915 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202195 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202196 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26202197 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202198 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202199 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202200 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears a lower index was used that was available in lookback.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065175 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2001 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202201 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2001, prior to three (3) business days from transaction date of 01/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065213 XXX XXX XXX XXX Purchase Primary 8/XX/2003 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26219724 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065213 XXX XXX XXX XXX Purchase Primary 8/XX/2003 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26219725 Mississippi Prepayment Penalty Mississippi Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% [in Years 1-5]. Loan contracts for prepay percentages of 4.47500%, 4.47500%,    which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065213 XXX XXX XXX XXX Purchase Primary 8/XX/2003 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26219726 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065213 XXX XXX XXX XXX Purchase Primary 8/XX/2003 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26219727 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26219897 Missing Document: Missing Final 1003             Provide missing documentation
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 26219993 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26220028 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26220029 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)            
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26220030 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26220033 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065214 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26220034 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065505 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25968596 Missing Document: Missing Final 1003             Provide missing documentation
275065505 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968597 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2004.           Provide missing documentation
275065505 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968598 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065505 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968599 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065505 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968600 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to the required rounding factor of 0.125% on the note,  when the note rate is 6.08%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25968646 Missing Document: Missing Final 1003             Provide missing documentation
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968647 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968648 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2007.           Provide missing documentation
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968649 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 25968650 (Doc Error) Initial GFE not provided              
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 25968651 Initial TIL not provided              
275065506 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968652 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065507 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968658 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2002.           Provide missing documentation
275065507 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968659 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065507 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25968660 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065507 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25968661 Missing Document: Missing Final 1003             Provide missing documentation
275065507 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   3 25968662 Missing Valuation:   Appraisal not provided         Provide missing documentation
275065508 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25968857 Missing Document: Missing Final 1003             Provide missing documentation
275065508 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 MS $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Closing / Title Credit Open   1 25968858 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25968909 Missing Document: Missing Final 1003             Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968910 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2010.           Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968911 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968912 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968913 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968914 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968915 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968916 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968917 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968918 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968919 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968920 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.           Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968921 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968922 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968923 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968924 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2010, prior to three (3) business days from transaction date of 05/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968925 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968926 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Miscellaneous Compliance Compliance Open   2 25968927 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Closing / Title Credit Open   3 25968928 Title: Evidence of title is missing             Provide missing documentation
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25968929 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968930 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure appears to be fee and payment stream related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065509 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2010 AL $XXX Reviewed with Exceptions 2017-09-01 18:37:54.000000 Compliance Federal Compliance Compliance Open   2 25968931 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25968932 Missing Document: Missing Final 1003             Provide missing documentation
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Closing / Title Credit Open   2 25968934 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968935 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2008.           Provide missing documentation
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968936 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance State Compliance Compliance Open   2 25968937 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065510 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 WA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968938 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25968980 Missing Document: Missing Final 1003             Provide missing documentation
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968981 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968982 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968983 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25968984 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065511 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   3 25968985 Missing Valuation:   Appraisal not provided         Provide missing documentation
275065512 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 MD $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   1 25969097 Missing Document: Missing Final 1003             Provide missing documentation
275065512 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 MD $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Application / Processing Credit Open   3 25969098 Missing Valuation:   Appraisal not provided         Provide missing documentation
275065512 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 MD $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Loan Package Documentation Closing / Title Credit Open   2 25969099 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065512 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 MD $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25969100 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 02/XX/2006.           Provide missing documentation
275065512 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2006 MD $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25969101 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25969212 Missing Document: Missing Final 1003             Provide missing documentation
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance State Compliance Compliance Open   2 25969213 Note Error: Note late charge percentage exceeds maximum per state   Late charge fee of 5% exceeds the max allowed of 4% for the state of North Carolina.          
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Closing / Title Compliance Open   2 25969214 Note Error: Note grace period days less than minimum per state   Late charge grace period of 10 days less than minimum allowed of 15 days for the state of North Carolina.          
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 25969215 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969216 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969217 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2005.           Provide missing documentation
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969218 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969219 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance State Compliance Compliance Open   3 25969220 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969221 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969222 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065513 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Miscellaneous Compliance Compliance Open   2 25969223 (Doc Error) Initial GFE not provided              
275065515 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Reviewed with Exceptions 2017-09-01 17:40:49.000000 Compliance Federal Compliance Compliance Open   2 25969385 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065515 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Reviewed with Exceptions 2017-09-01 17:40:49.000000 Compliance Federal Compliance Compliance Open   2 25969386 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MS $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25969464 Missing Document: Missing Final 1003             Provide missing documentation
275065516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MS $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969465 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MS $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969466 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MS $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969467 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275065516 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MS $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969468 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25969512 Missing Document: Missing Final 1003             Provide missing documentation
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969513 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969514 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969515 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969516 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25969517 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065518 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OK $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Closing / Title Credit Open   2 25969518 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065519 XXX XXX XXX XXX Purchase Primary 12/XX/2007 GA $XXX Reviewed with Exceptions 2017-08-24 17:27:48.000000 Compliance Federal Compliance Compliance Open   2 25969858 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065520 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 PA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Loan Package Documentation Application / Processing Credit Open   1 25970132 Missing Document: Missing Final 1003             Provide missing documentation
275065520 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 PA $XXX Reviewed with Exceptions 2017-09-01 17:34:19.000000 Compliance Federal Compliance Compliance Open   2 25970133 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065521 XXX XXX XXX XXX Purchase Primary 3/XX/2006 NY $XXX Reviewed with Exceptions 2017-09-01 17:40:49.000000 Compliance Federal Compliance Compliance Open   2 25970226 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2005.           Provide missing documentation
275065521 XXX XXX XXX XXX Purchase Primary 3/XX/2006 NY $XXX Reviewed with Exceptions 2017-09-01 17:40:49.000000 Compliance State Compliance Compliance Open   2 25970227 Note Error: Note late charge percentage exceeds maximum per state   Late fee of 5% exceeds NY maximum fee of 2%.          
275065521 XXX XXX XXX XXX Purchase Primary 3/XX/2006 NY $XXX Reviewed with Exceptions 2017-09-12 11:46:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 25970229 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The approval reflects the index used was 3.360%, however the lowest available index in the look back period was 3.460%.          
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000317 SAFE Act - LO Company NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act:  Loan Originator Organization NMLS information on loan documents does not match NMLS.            
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000318 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000319 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000320 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000321 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an email fee of $XXX an escrow service fee of $XXX and a tax cert fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064777 XXX XXX XXX XXX Purchase Primary 12/XX/2013 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Credit Credit Documentation Credit Open   3 26000322 Missing Document: Credit Report not provided             Provide missing documentation
275064776 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2013 IL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26000371 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2013           Provide missing documentation
275064776 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2013 IL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26000372 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064773 XXX XXX XXX XXX Purchase Second Home 3/XX/2013 TN $XXX Loan Review Complete 2022-01-12 09:25:51.000000 Compliance Federal Compliance Compliance Open   2 26000889 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064773 XXX XXX XXX XXX Purchase Second Home 3/XX/2013 TN $XXX Loan Review Complete 2022-01-12 09:25:51.000000 Compliance Federal Compliance Compliance Open   2 26000890 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064772 XXX XXX XXX XXX Purchase Primary 12/XX/2012 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26000978 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064772 XXX XXX XXX XXX Purchase Primary 12/XX/2012 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26000979 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26001283 Missing Document: Missing Final 1003             Provide missing documentation
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Closing / Title Compliance Open   2 26001284 (Doc Error) TIL Error: Final TIL signed by all required parties is blank   Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.          
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26001285 (Doc Error) Initial GFE not provided              
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001286 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001287 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001288 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001289 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance State Compliance Compliance Open   2 26001290 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance State Compliance Compliance Open   2 26001291 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance State Compliance Compliance Open   2 26001292 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001293 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001294 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064768 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2012 MI $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Credit Credit Documentation Credit Open   3 26001295 Missing Document: Credit Report not provided             Provide missing documentation
275064769 XXX XXX XXX XXX Refinance Rate/Term Investment 12/XX/2011 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001371 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064769 XXX XXX XXX XXX Refinance Rate/Term Investment 12/XX/2011 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001372 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064769 XXX XXX XXX XXX Refinance Rate/Term Investment 12/XX/2011 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26001373 Missing Document: Missing Final 1003             Provide missing documentation
275064767 XXX XXX XXX XXX Purchase Investment 8/XX/2011 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26001449 Missing Document: Missing Final 1003             Provide missing documentation
275064767 XXX XXX XXX XXX Purchase Investment 8/XX/2011 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001450 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064766 XXX XXX XXX XXX Purchase Primary 12/XX/2010 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001578 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064766 XXX XXX XXX XXX Purchase Primary 12/XX/2010 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001579 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064765 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001745 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064765 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001746 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the settlement fee of $XXX as prepaid finance charge; additionally, page 1 of the HUD reflects a credit to Borrower in the amount of $XXX, this amount was not applied.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064765 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26001747 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064765 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2010 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26001748 (Doc Error) GFE Error: Days before settlement not provided. GFE Date: 01/XX/2010            
275064763 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 6/XX/2009 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26001823 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064763 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 6/XX/2009 NJ $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26001824 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064762 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2008 TX $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Insurance Insurance Documentation Credit Open   1 26001836 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064762 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2008 TX $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26001837 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064762 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2008 TX $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26001838 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064754 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2006 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26001998 Missing Document: Missing Final 1003             Provide missing documentation
275064754 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2006 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26001999 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064754 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2006 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002000 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064755 XXX XXX XXX XXX Purchase Primary 10/XX/2006 GA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002004 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275064752 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   1 26002008 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064752 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002009 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064752 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Credit Credit Documentation Credit Open   3 26002010 Missing Document: Credit Report not provided             Provide missing documentation
275064750 XXX XXX XXX XXX Purchase Primary 12/XX/2005 GA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26002062 Missing Document: Missing Final 1003             Provide missing documentation
275064750 XXX XXX XXX XXX Purchase Primary 12/XX/2005 GA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002063 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization of Amount Financed did not disclose a Wire fee for $XXX, a Courier Fee for $XXX and a Courier Fee for $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064748 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 WA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002081 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064748 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 WA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002082 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064804 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002116 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064804 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NY $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002117 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064801 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26002159 Missing Document: Missing Final 1003             Provide missing documentation
275064801 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002160 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064801 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002161 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064800 XXX XXX XXX XXX Purchase Primary 2/XX/2003 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002189 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064800 XXX XXX XXX XXX Purchase Primary 2/XX/2003 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002190 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064739 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NY $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26002216 Missing Document: Missing Final 1003             Provide missing documentation
275064739 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NY $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002217 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064739 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NY $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002218 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064739 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NY $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002219 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064739 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NY $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 26002220 Incorrect Appraisal Form type: Appraisal Form 1075/466 used for incorrect Subject property type. Valuation Type: Drive By / Valuation Report Date: 02/XX/2000 Co-op            
275064741 XXX XXX XXX XXX Purchase Primary 12/XX/1997 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26002225 Missing Document: Missing Final 1003             Provide missing documentation
275064741 XXX XXX XXX XXX Purchase Primary 12/XX/1997 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002226 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1997 used as disbursement date for compliance testing.           Provide missing documentation
275064741 XXX XXX XXX XXX Purchase Primary 12/XX/1997 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   3 26002227 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064741 XXX XXX XXX XXX Purchase Primary 12/XX/1997 FL $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26002228 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064756 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2006 NJ $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002296 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064756 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2006 NJ $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002297 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064742 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26002322 Missing Document: Missing Final 1003             Provide missing documentation
275064742 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002323 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064742 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002324 (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)           Provide missing documentation
275064742 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002325 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064743 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Credit Credit Documentation Credit Open   3 26002335 Missing Document: Credit Report not provided             Provide missing documentation
275064743 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Closing / Title Credit Open   2 26002336 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064743 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26002337 (Doc Error) Initial GFE not provided              
275064743 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002338 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064743 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002339 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064740 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 3/XX/2002 CO $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26002381 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064733 XXX XXX XXX XXX Purchase Primary 10/XX/2011 FL $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26002468 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064733 XXX XXX XXX XXX Purchase Primary 10/XX/2011 FL $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26002469 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064730 XXX XXX XXX XXX Purchase Primary 8/XX/2003 OH $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Insurance Insurance Documentation Credit Open   1 26002525 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064730 XXX XXX XXX XXX Purchase Primary 8/XX/2003 OH $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 26002526 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002587 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002588 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002589 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002590 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002591 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance State Compliance Compliance Open   2 26002592 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002593 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002594 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002595 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization only disclosed origination charges in the amount of $XXX, however, final HUD reflects $XXX         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002596 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002597 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002598 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002599 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002600 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275064774 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2013 NC $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26002601 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275064759 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2008 OR $XXX Loan Review Complete 2018-06-28 13:22:02.000000 Compliance Federal Compliance Compliance Open   2 26002792 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064761 XXX XXX XXX XXX Purchase Primary 6/XX/2008 VA $XXX Loan Review Complete 2020-01-15 14:09:19.000000 Compliance Miscellaneous Compliance Compliance Open   2 26002801 (Doc Error) Initial GFE not provided              
275064761 XXX XXX XXX XXX Purchase Primary 6/XX/2008 VA $XXX Loan Review Complete 2020-01-15 14:16:38.000000 Compliance Federal Compliance Compliance Open   2 26002802 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064761 XXX XXX XXX XXX Purchase Primary 6/XX/2008 VA $XXX Loan Review Complete 2020-01-15 14:16:38.000000 Compliance Federal Compliance Compliance Open   2 26002803 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064761 XXX XXX XXX XXX Purchase Primary 6/XX/2008 VA $XXX Loan Review Complete 2020-01-15 14:16:38.000000 Compliance State Compliance Compliance Open   2 26002804 Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002817 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002818 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002819 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002820 RESPA (2010) -  Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002821 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002822 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002823 Federal HPML 2009 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.81194% or Final Disclosure APR of 4.80740% is in excess of allowable threshold of APOR 3.14% + 1.5%, or 4.64000%.  Compliant Higher Priced Mortgage Loan.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002824 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002825 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002826 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002827 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002828 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002829 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002830 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002831 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002832 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002833 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002834 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002835 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064770 XXX XXX XXX XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 2020-09-10 12:53:24.000000 Compliance Federal Compliance Compliance Open   2 26002836 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064803 XXX XXX XXX XXX Purchase Primary 2/XX/2004 AL $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26002837 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064803 XXX XXX XXX XXX Purchase Primary 2/XX/2004 AL $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26002838 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX		         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26003243 Missing Document: Missing Final 1003             Provide missing documentation
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 26003244 (Doc Error) Initial GFE not provided              
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26003245 Missing Document: Appraisal not provided             Provide missing documentation
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26003246 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26003247 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26003248 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064757 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 CT $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26003249 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064746 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 2021-05-17 09:28:06.000000 Compliance Federal Compliance Compliance Open   1 26003343 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064746 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 2021-05-17 09:28:06.000000 Compliance Federal Compliance Compliance Open   2 26003344 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064745 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 IL $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26003363 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064745 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 IL $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26003364 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064758 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MS $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26003484 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064753 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 FL $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26003480 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064753 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 FL $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26003481 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064753 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 FL $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Loan Package Documentation Application / Processing Credit Open   1 26003482 Missing Document: Missing Final 1003             Provide missing documentation
275064751 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 2020-03-09 08:52:25.000000 Compliance Federal Compliance Compliance Open   2 26003489 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine, TIL itemization not provided.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064728 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2003 NJ $XXX Loan Review Complete 2019-09-17 10:15:56.000000 Compliance Miscellaneous Compliance Compliance Open   2 26003512 (Doc Error) RTC Error:  Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064728 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2003 NJ $XXX Loan Review Complete 2019-09-17 10:15:56.000000 Compliance Federal Compliance Compliance Open   2 26003513 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064728 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2003 NJ $XXX Loan Review Complete 2019-09-17 10:15:56.000000 Compliance Federal Compliance Compliance Open   2 26003514 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064728 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2003 NJ $XXX Loan Review Complete 2019-09-17 10:15:56.000000 Compliance Federal Compliance Compliance Open   2 26003515 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064728 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2003 NJ $XXX Loan Review Complete 2019-09-17 10:15:56.000000 Compliance Federal Compliance Compliance Open   2 26003516 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064731 XXX XXX XXX XXX Purchase Primary 6/XX/2007 WI $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 26003534 (Doc Error) Initial GFE not provided              
275064731 XXX XXX XXX XXX Purchase Primary 6/XX/2007 WI $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26003535 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064732 XXX XXX XXX XXX Purchase Primary 2/XX/2008 CA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Loan Package Documentation Application / Processing Credit Open   1 26003538 Missing Document: Missing Final 1003             Provide missing documentation
275064732 XXX XXX XXX XXX Purchase Primary 2/XX/2008 CA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Insurance Insurance Documentation Credit Open   1 26003539 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064732 XXX XXX XXX XXX Purchase Primary 2/XX/2008 CA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 26003540 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064732 XXX XXX XXX XXX Purchase Primary 2/XX/2008 CA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 26003541 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064734 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 CT $XXX Loan Review Complete 2021-06-10 15:14:30.000000 Compliance Federal Compliance Compliance Open   2 26003650 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064734 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 CT $XXX Loan Review Complete 2021-06-10 15:14:30.000000 Compliance Federal Compliance Compliance Open   2 26003651 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064734 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 CT $XXX Loan Review Complete 2021-06-10 15:14:30.000000 Compliance Federal Compliance Compliance Open   2 26003652 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064734 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 CT $XXX Loan Review Complete 2021-06-10 15:14:30.000000 Compliance Federal Compliance Compliance Open   2 26003653 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064830 XXX XXX XXX XXX Purchase Primary 12/XX/2019 GA $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Income / Employment Income Documentation Credit Open   3 26003740 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2017 Missing VVOE within 10 business days for XXX. Income was used for qualification and per AUS, VVOE is required.          
275064830 XXX XXX XXX XXX Purchase Primary 12/XX/2019 GA $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Compliance Federal Compliance Compliance Open   2 26003743 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2019) Verification appraisal was delivered to borrower was not provided.          
275064830 XXX XXX XXX XXX Purchase Primary 12/XX/2019 GA $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Compliance Federal Compliance Compliance Open   2 26003744 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064829 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2019 MO $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Compliance Federal Compliance Compliance Open   2 26003750 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points was not disclosed on initial Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064831 XXX XXX XXX XXX Purchase Primary 2/XX/2020 TX $XXX Loan Review Complete 2022-02-03 19:16:28.000000 Compliance Federal Compliance Compliance Cured 01/07/2022 1 26003752 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         (2022/XX/07): Sufficient Cure Provided At Closing Final CD evidences Cure
275064831 XXX XXX XXX XXX Purchase Primary 2/XX/2020 TX $XXX Loan Review Complete 2022-02-03 19:16:28.000000 Loan Package Documentation Application / Processing Credit Open   1 26003753 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2020                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		            
275064828 XXX XXX XXX XXX Purchase Primary 8/XX/2019 FL $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Insurance Insurance Analysis Credit Open   3 26003755 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 08/XX/2019, Transaction Date:  08/XX/2019 Hazard Insurance Policy Effective Date is 1 day after closing.          
275064828 XXX XXX XXX XXX Purchase Primary 8/XX/2019 FL $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Loan Package Documentation Application / Processing Credit Open   3 26003756 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. Disaster Name: XXX
Disaster Declaration Date: 06/XX/2021		 The subject property is located in XXX county which is in a FEMA disaster area that does not have a declared end date.  The appraisal was performed after the FEMA declaration start date but prior to the declared end date.          
275064828 XXX XXX XXX XXX Purchase Primary 8/XX/2019 FL $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Loan Package Documentation Application / Processing Credit Open   1 26003757 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2019                 
Disaster End Date: 07/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2021		 The property is located in XXX, FL.  Provide a post-disaster inspection verifying there was no damage from XXXX.  The inspection must include exterior photos and the property must be re-inspected on or after 07/XX/2021.          
275064828 XXX XXX XXX XXX Purchase Primary 8/XX/2019 FL $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Compliance Federal Compliance Compliance Open   2 26003758 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 08/XX/2019 not accurate. (Final/08/XX/2019) The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX on page 4; however the HOA dues are $XXX per year.  Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.         Letter of Explanation & Corrected Closing Disclosure
275064828 XXX XXX XXX XXX Purchase Primary 8/XX/2019 FL $XXX Loan Review Complete 2022-01-12 19:31:35.000000 Compliance Federal Compliance Compliance Open   2 26003759 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/07/XX/2019) E-sign agrerement was signed 08/XX/2019.          
275064827 XXX XXX XXX XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 2022-01-07 15:52:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26004006 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2018                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		 Post disaster inspection is not on file.          
275064825 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MO $XXX Loan Review Complete 2022-01-18 22:22:20.000000 Loan Package Documentation Application / Processing Credit Open   1 26004072 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2018                 
Disaster End Date: 07/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 07/XX/2019		            
275064825 XXX XXX XXX XXX Purchase Primary 8/XX/2018 MO $XXX Loan Review Complete 2022-01-18 22:22:20.000000 Compliance Federal Compliance Compliance Open   2 26004073 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2018) Initial CD was provided without proof of borrower receipt. Applying the mailing rule, CD was not provided to the borrower at least three business days prior to closing.         No Defined Cure
275064824 XXX XXX XXX XXX Purchase Primary 8/XX/2018 VA $XXX Loan Review Complete 2022-01-25 00:09:59.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26004093 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Compliant Higher Priced Mortgage Loan.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064824 XXX XXX XXX XXX Purchase Primary 8/XX/2018 VA $XXX Loan Review Complete 2023-06-19 12:22:56.000000 Compliance Federal Compliance Compliance Open   2 28621134 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064823 XXX XXX XXX XXX Purchase Primary 6/XX/2018 WI $XXX Loan Review Complete 2022-02-03 19:16:28.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26004236 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Compliant Higher Priced Mortgage Loan.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064823 XXX XXX XXX XXX Purchase Primary 6/XX/2018 WI $XXX Loan Review Complete 2023-06-19 13:15:42.000000 Compliance Federal Compliance Compliance Open   2 28621406 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064822 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 4/XX/2018 CO $XXX Loan Review Complete 2022-02-09 18:21:24.000000 Loan Package Documentation Loan File Credit Open   3 26004315 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064822 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 4/XX/2018 CO $XXX Loan Review Complete 2022-02-09 18:21:24.000000 Credit Credit Documentation Credit Open   3 26004316 Missing Document: Credit Report not provided             Provide missing documentation
275064822 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 4/XX/2018 CO $XXX Loan Review Complete 2022-02-09 18:21:24.000000 Compliance Federal Compliance Compliance Open   2 26004318 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. The disclosure was not provided to the borrower within 3 business days of the initial application.          
275064821 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2018 WA $XXX Loan Review Complete 2022-02-03 19:16:28.000000 Compliance Federal Compliance Compliance Cured 01/21/2022 1 26004429 TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (0)         (2022/XX/21): Sufficient Cure Provided At Closing Final CD evidences Cure
275064818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 GA $XXX Loan Review Complete 2021-12-30 17:12:26.000000 Compliance Federal Compliance Compliance Open   2 26004549 TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/12/XX/2017) Evidence of the date the LE was provided to the Borrower is missing.         No Defined Cure
275064818 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2017 GA $XXX Loan Review Complete 2021-12-30 17:12:26.000000 Compliance Federal Compliance Compliance Open   2 26004550 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) A cure was not disclosed and evidence that a valid COC was provided to the Borrower is missing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064817 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 11/XX/2017 CT $XXX Loan Review Complete 2022-01-19 17:19:09.000000 Loan Package Documentation Application / Processing Credit Open   1 26004557 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2017                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2021		            
275064816 XXX XXX XXX XXX Purchase Primary 11/XX/2017 MD $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Cured 01/14/2022 1 26004564 TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (0)         (2022/XX/14): Sufficient Cure Provided At Closing Final CD evidences Cure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Insurance Insurance Analysis Credit Open   3 26004571 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $XXX shortfall, no replacement cost estimate in file.          
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004572 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2017) Missing evidence valuation was provided three business days prior to consummation.          
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Cured 02/08/2022 2 26004573 TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 11/XX/2017 not accurate. (Final/11/XX/2017) Closing Disclosure issued 11/XX/17 reflects estimated monthly escrow of $XXX, however page 2 does not reflect any escrow deposits.       (2022/XX/08): Corrected on PCCD. Letter of Explanation & Corrected Closing Disclosure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004578 TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/11/XX/2017) Corrected on PCCD.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Cured 02/08/2022 2 26004579 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2017 did not disclose Amount of Non-Escrowed Property Costs over Year 1 (Final/11/XX/2017) Closing Disclosure issued 11/XX/17 reflects escrows on page 1 and 4 but does not reflect escrows on page 2, a revised Closing Disclosure was issued 11/XX/17.       (2022/XX/08): Corrected on PCCD. Letter of Explanation & Corrected Closing Disclosure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004580 TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether property taxes are included in escrow. (Final/11/XX/2017) Corrected on PCCD.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Cured 02/08/2022 2 26004581 TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2017 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/11/XX/2017) Closing Disclosure issued 11/XX/17 reflects escrows on page 1 and 4 but does not reflect escrows on page 2, a revised Closing Disclosure was issued 11/XX/17.       (2022/XX/08): Corrected on PCCD. Letter of Explanation & Corrected Closing Disclosure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Cured 02/08/2022 2 26004582 TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/11/XX/2017) Closing Disclosure issued 11/XX/17 reflects escrows on page 1 and 4 but does not reflect escrows on page 2, a revised Closing Disclosure was issued 11/XX/17.       (2022/XX/08): Corrected on PCCD. Letter of Explanation & Corrected Closing Disclosure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004583 TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/11/XX/2017) Corrected on PCCD, provide LOE to borrower in order to cure.         Letter of Explanation & Corrected Closing Disclosure
275064815 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004584 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7506) Fee disclosed was  last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064814 XXX XXX XXX XXX Purchase Primary 10/XX/2017 NE $XXX Loan Review Complete 2021-12-30 17:12:26.000000 Loan Package Documentation Application / Processing Credit Open   1 26004594 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2017                 
Disaster End Date: 07/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 03/XX/2019		            
275064814 XXX XXX XXX XXX Purchase Primary 10/XX/2017 NE $XXX Loan Review Complete 2021-12-30 17:12:26.000000 Compliance Federal Compliance Compliance Open   2 26004596 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75188) A cure was not disclosed and evidence that a valid COC was provided to the Borrower is missing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Loan Package Documentation Application / Processing Credit Open   1 26004623 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2017                 
Disaster End Date: 03/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 05/XX/2018		            
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Income / Employment Income Documentation Credit Open   3 26004624 Income Docs Missing: Borrower: XXX Business License, P&L Statement Copy of the business license , P&L statement not in file.         Provide missing documentation
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004625 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004626 TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/10/XX/2017)           No Defined Cure
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004627 TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/09/XX/2017)           No Defined Cure
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004628 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX  is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) Tolerance exceeded for lender credits.  No valid COC or cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004629 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7349) Tolerance exceeded for extension fee.  No valid COC or cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004630 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7520) Tolerance exceeded for credit report fee.  No valid COC or cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064813 XXX XXX XXX XXX Purchase Primary 10/XX/2017 IN $XXX Loan Review Complete 2022-02-10 16:37:03.000000 Compliance Federal Compliance Compliance Open   2 26004631 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77231) Tolerance exceeded for deed preparation fee.  No valid COC or cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064812 XXX XXX XXX XXX Purchase Primary 9/XX/2017 VA $XXX Loan Review Complete 2021-12-29 15:40:36.000000 Compliance Federal Compliance Compliance Open   2 26004654 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 09/XX/2017 not accurate. (Final/09/XX/2017) The HOA fee is $XXX per month which is $XXX annually.         Letter of Explanation & Corrected Closing Disclosure
275064812 XXX XXX XXX XXX Purchase Primary 9/XX/2017 VA $XXX Loan Review Complete 2021-12-29 15:40:36.000000 Compliance Federal Compliance Compliance Open   2 26004655 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) A cure was not disclosed and evidence that a valid COC was provided to the Borrower is missing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064811 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2017 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Asset Asset Calculation / Analysis Credit Open   3 26004796 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX          
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Insurance Insurance Documentation Credit Open   1 26004906 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Credit Credit Documentation Credit Open   2 26004907 Missing Document: Credit Report not provided     The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26004909 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Loan Designation determined as Temp HPQM. Lender to provide compliance report or other documentation verifying that loan was UW and closed as such.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Cured 12/21/2021 1 26004910 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7520) No change of circumstance provided       (2021/XX/21): Sufficient Cure Provided At Closing Final CD evidences Cure
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Loan Package Documentation Loan File Credit Open   2 26004911 Missing Document: Hazard Insurance Policy not provided   Hazard Insurance not provided in file. Post close policy in file. Borrower has verified disposable income of at least $XXX.

Borrower has owned the subject property for at least 5 years.

Borrower has worked in the same position for more than 3 years.

The qualifying DTI on the loan is less than or equal to 35%.

Borrower has been employed in the same industry for more than 5 years.		     (2023/XX/30): Comp factors used to regrade  exception Provide missing documentation
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Loan Package Documentation Application / Processing Credit Open   2 26004912 Missing Document: Tax Certificate not provided   Tax Certificate not provided in file. Post close statement in file. The qualifying DTI on the loan is less than or equal to 35%.

Borrower has worked in the same position for more than 3 years.

Borrower has verified disposable income of at least $XXX.

Borrower has owned the subject property for at least 5 years.

Borrower has been employed in the same industry for more than 5 years.		     (2023/XX/30): Comp factors used to regrade  exception Provide missing documentation
275064809 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2017 IL $XXX Reviewed with Exceptions 2023-06-19 13:52:43.000000 Compliance Federal Compliance Compliance Open   2 28621552 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Compliance Open   1 26004934 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Credit Open   3 26004935 Missing Document: Approval not provided             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Credit Credit Documentation Credit Open   3 26004936 Missing Document: Credit Report not provided             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Credit Open   1 26004937 Missing Document: Flood Certificate not provided             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Credit Open   3 26004938 Missing Document: Fraud Report not provided             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Loan File Credit Open   3 26004939 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Credit Open   3 26004940 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.              
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Credit Credit Documentation Credit Open   3 26004941 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Document Error HOA Credit Open   3 26004942 HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio. Valuation Type: Stated / Valuation Report Date: 04/XX/2021            
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Loan Package Documentation Application / Processing Credit Open   3 26004943 HOA Error: Subject is located in a project and HOA Information was not provided. Valuation Type: Stated / Valuation Report Date: 04/XX/2021            
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004944 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Missing the initial 1003 signed/dated by the originator         Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004945 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. Missing the initial 1003 signed/dated by the originator         Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004946 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. Missing the initial 1003 signed/dated by the originator         Provide missing documentation
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004947 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. Missing the initial 1003 signed/dated by the originator          
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004948 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 05/XX/2017 not accurate. (Final/05/XX/2017) Non-escrowed property costs of $XXX of HOA and hazard insurance reflected on page 4 of the final CD         Letter of Explanation & Corrected Closing Disclosure
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004949 TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2017 incorrectly disclosed whether property taxes are included in escrow. (Final/05/XX/2017) Page 4 of the final CD indicates taxes are escrowed however, no escrows were collected in section G of the CD         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004950 TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2017) Page 4 of the final CD indicates taxes are escrowed however, no escrows were collected in section G of the CD         Letter of Explanation & Corrected Closing Disclosure
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004951 TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2017) Page 4 of the final CD indicates taxes are escrowed however, no escrows were collected in section G of the CD         Letter of Explanation & Corrected Closing Disclosure
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004952 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. No evidence of early receipt was located in the file          
275064810 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2017 PA $XXX Loan Review Complete 2022-02-28 15:16:45.000000 Compliance Federal Compliance Compliance Open   2 26004953 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275064808 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2017 CA $XXX Loan Review Complete 2022-01-25 23:26:38.000000 Credit Credit Documentation Credit Open   3 26005056 Missing Document: Credit Report not provided   The file was missing the complete origination credit report. Only page 1 was in the file.         Provide missing documentation
275064808 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2017 CA $XXX Loan Review Complete 2022-01-25 23:26:38.000000 Compliance Federal Compliance Compliance Cured 12/27/2021 1 26005057 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7520)         (2021/XX/27): Sufficient Cure Provided At Closing Final CD evidences Cure
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Credit Credit Documentation Credit Open   3 26005182 Missing Document: Credit Report not provided             Provide missing documentation
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Insurance Insurance Documentation Credit Open   1 26005183 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005185 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2017) Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation.          
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005186 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005187 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   3 26005188 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. The AUS is ineligible due to LTV/CLTV. Max LTV/CLTV allowed for non-first time homebuyer is 95%, loan LTV/CLTV is 97%.         Lender to provide updated ATR/QM status
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   3 26005190 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/9719616) The loan is failing Temp SHQM due to missing credit report. SHQM requires two-year verification of employment history.          
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005191 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial application date.          
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005192 TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 02/XX/2017 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation           TRID timing exception, no remediation available.
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Compliance Federal Compliance Compliance Open   2 26005194 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent And Other).  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7742) Fee added without a valid COC, no cure provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Income / Employment Income Documentation Credit Open   3 26005196 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2014            
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Insurance Insurance Analysis Credit Open   3 26005197 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Provide updated policy with sufficient coverage or a replacement cost estimator to verify current coverage is sufficient.          
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 26005198 Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 97.00000% exceeds Guideline loan to value percentage of 95.00000%. Max LTV/CLTV is 95%.          
275064799 XXX XXX XXX XXX Purchase Primary 2/XX/2017 MT $XXX Loan Review Complete 2022-02-28 22:53:58.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26005199 Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of 97.00000% exceeds Guideline combined loan to value percentage of 95.00000%. Max LTV/CLTV is 95%.          
275064797 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2016 OR $XXX Loan Review Complete 2021-12-22 15:06:22.000000 Compliance Federal Compliance Compliance Open   3 26005317 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.12507% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.12507%). Loan is failing QM points and fees testing.  Please provided the undiscounted rate and undiscounted price to determine if any discount points paid by the borrower may be excluded from testing         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275064797 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2016 OR $XXX Loan Review Complete 2021-12-22 15:06:22.000000 Compliance Federal Compliance Compliance Open   2 26005318 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) The Loan Discount Points was disclosed on the initial LE as $XXX but was disclosed as  $XXX on the Final CD.  The file does not contain a valid COC or for the last increase in discount points and no cure was provided.  Provide an updated post-close CD disclosing the tolerance cure       (2022/XX/22): Exception Detail Updated from: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064797 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2016 OR $XXX Loan Review Complete 2021-12-22 15:06:22.000000 Compliance Federal Compliance Compliance Open   3 26005319 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Loan is failing QM points and fees testing.  Please provided the undiscounted rate and undiscounted price to determine if any discount points paid by the borrower may be excluded from testing         Lender to provide updated ATR/QM status
275064796 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Loan Package Documentation Application / Processing Credit Open   1 26005401 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2016                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		 Most recent inspection was before the disaster declaration date.          
275064796 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26005402 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2016). (Final/11/XX/2016) Finance Charge disclosed is $XXX.  Calculated finance charge is $XXX.  Variance of $XXX.  Based on review of Lender's compliance report, Reimbursement fee of $XXX, HOA Fee $XXX and various Title Settlement/Closing fees were not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064796 XXX XXX XXX XXX Purchase Primary 11/XX/2016 CA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26005403 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 11/XX/2016 not accurate. (Final/11/XX/2016) The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXX2 on page 4; however the annual taxes ($XXX) and Hazard Insurance  ($XXX)  and Annual HOA Fee ($XXX) are $XXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.         Letter of Explanation & Corrected Closing Disclosure
275064795 XXX XXX XXX XXX Purchase Primary 10/XX/2016 SD $XXX Loan Review Complete 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Open   2 26005456 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) No COC or cure was provided to the borrower for tolerance overages         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064795 XXX XXX XXX XXX Purchase Primary 10/XX/2016 SD $XXX Loan Review Complete 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Open   2 26005457 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) No COC or cure was provided to the borrower for tolerance overages         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064795 XXX XXX XXX XXX Purchase Primary 10/XX/2016 SD $XXX Loan Review Complete 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Open   2 26005458 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Evidence of earlier borrower receipt was missing from the file.          
275064795 XXX XXX XXX XXX Purchase Primary 10/XX/2016 SD $XXX Loan Review Complete 2022-02-11 17:48:03.000000 Loan Package Documentation Application / Processing Credit Open   1 26005459 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.              
275064794 XXX XXX XXX XXX Purchase Primary 5/XX/2016 PA $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Credit Credit Documentation Credit Open   3 26005747 Missing Document: Credit Report not provided             Provide missing documentation
275064794 XXX XXX XXX XXX Purchase Primary 5/XX/2016 PA $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26005749 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Loan is failing Temp SHQM due to insufficient assets verified to meet reserve requirement.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064794 XXX XXX XXX XXX Purchase Primary 5/XX/2016 PA $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Asset Asset Calculation / Analysis Credit Open   3 26005750 AUS Findings: Available for Reserves discrepancy. Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX.            
275064794 XXX XXX XXX XXX Purchase Primary 5/XX/2016 PA $XXX Reviewed with Exceptions 2022-02-11 17:48:03.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26005751 AUS/Guideline Findings: All conditions were not met   Missing credit report.          
275064794 XXX XXX XXX XXX Purchase Primary 5/XX/2016 PA $XXX Reviewed with Exceptions 2023-06-19 15:00:36.000000 Compliance Federal Compliance Compliance Open   2 28621813 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064791 XXX XXX XXX XXX Purchase Primary 1/XX/2016 TX $XXX Loan Review Complete 2022-01-27 17:55:48.000000 Compliance Federal Compliance Compliance Open   2 26005854 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2016) File only contains the Final Closing Disclosure dated 01/XX/2016, which was signed and dated by the borrowers on 01/XX/2016. File is missing evidence the borrowers received the Final Closing Disclosure at least 3 business days prior to the closing date of 01/XX/2016.         No Defined Cure
275064793 XXX XXX XXX XXX Purchase Primary 1/XX/2016 TX $XXX Loan Review Complete 2022-01-27 17:55:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26005867 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 01/XX/2016                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		            
275064793 XXX XXX XXX XXX Purchase Primary 1/XX/2016 TX $XXX Loan Review Complete 2022-01-27 17:55:48.000000 Compliance Federal Compliance Compliance Open   2 26005869 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (77159) Tax Certification Fee was not disclosed on the Initial Loan Estimate, but disclosed as $XXX on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $XXX was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Loan Package Documentation Application / Processing Credit Open   3 26005858 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Missing Document General Credit Open   3 26005859 Missing Document: Account Statements - Personal not provided             Provide missing documentation
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Missing Document General Credit Open   3 26005860 Missing Document: Account Statements - Personal not provided             Provide missing documentation
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Asset Asset Calculation / Analysis Credit Open   3 26005861 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. No evidence of receipt was located in the file.          
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26005863 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded by $XXX with no sufficient cure.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26005864 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7735) Fee Tolerance exceeded for Document Preparation Fee in the amount of $XXX with no sufficient cure.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26005865 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of  is less than AUS qualifying asset balance of $XXX. No evidence of receipt was located in the file.          
275064792 XXX XXX XXX XXX Purchase Primary 1/XX/2016 VA $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Asset Asset Documentation Credit Open   3 26005866 Asset documentation requirements not met.   No evidence of receipt was located in the file.          
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Loan Package Documentation Application / Processing Credit Open   1 26006189 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2015                 
Disaster End Date: 09/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2020		            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Loan Package Documentation Application / Processing Credit Open   3 26006191 Missing Document: Fraud Report not provided             Provide missing documentation
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006192 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial application date          
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006193 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 4.45000% is underdisclosed from calculated APR of 4.63395% outside of 0.125% tolerance. Truth In Lending Act: Final TIL APR of 4.45000% is underdisclosed from calculated APR of 4.63395% outside of 0.125% tolerance.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006194 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006195 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006196 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006197 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006198 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006199 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006200 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006201 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006202 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006203 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006204 RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial application date          
275064806 XXX XXX XXX XXX Purchase Primary 6/XX/2015 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006205 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial application date          
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Insurance Insurance Analysis Credit Open   2 26006210 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 05/XX/2015, Transaction Date:  05/XX/2015 Hazard Insurance Policy effective date of 05/XX/2015 is after the Note date of 05/XX/2015 and the subject property is not in a Dry Funding state. The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Credit Credit Documentation Credit Open   2 26006211 Missing Document: Credit Report not provided   File only contains the first page of the credit report dated 04/XX/2015. Upon receipt of the complete credit report with all pages, additional conditions may apply. The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006216 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. File is missing proof of the Rate Lock date. Worst case scenario between the creditor application date and the transaction date has been used to determine the rate used for testing.         Provide missing documentation
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006217 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE dated 04/XX/2015 Important Dates Section, Other Settlement Charges Good Through Date is 04/XX/2015, which is less than the 10 business days required.          
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006218 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. File is missing proof the borrowers received the HUD Settlement Cost Booklet.         Provide missing documentation
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   2 26006219 AUS/Guideline Findings: All conditions were not met   File only contains the first page of the credit report dated 04/XX/2015. Upon receipt of the complete credit report with all pages as required by DU Condition #26, additional conditions may apply. The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   2 26006220 AUS/Guideline Findings: All conditions were not met   DU qualified the borrowers without an auto loan payment of $XXX and DU Condition #9 required documentation to support the omission. File contains an auto loan payoff statement for $XXX and a credit supplement to verify the account was paid in full and closed on 05/XX/2015. However, this loan was not paid off on the settlement statement for the sale of the borrowers departure residence, or on the subject loan Final HUD-1. Most recent bank statements dated through 03/XX/2015 verify total assets of $XXX, which are insufficient to cover the payoff amount. File is missing documentation to verify the funds used to pay off the auto loan came from an acceptable source. The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26006221 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Subject loan does not meet the requirements of Temporary SHQM (GSE/Agency Eligible) due to missing the full and complete credit report and all DU conditions not being met.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006222 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/10899638) Due to all DU conditions not being met, the subject loan is being tested under Safe Harbor QM. File is missing a Verbal VOE for the borrower's prior employment to verify a 2-year work history as required by Appendix Q.       (2023/XX/19): EXCEPTION HISTORY - Exception Detail was updated on 06/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/9620035)  
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006223 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/10899639) Due to all DU conditions not being met, the subject loan is being tested under Safe Harbor QM. File is missing a Verbal VOE for the co-borrower's prior employment to verify a 2-year work history as required by Appendix Q.       (2023/XX/19): EXCEPTION HISTORY - Exception Detail was updated on 06/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/9620036)  
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006224 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 Final HUD-1 Line 205 disclosed a cure of $XXX, which is sufficient to cover the County Tax Stamp of $XXX.          
275064788 XXX XXX XXX XXX Purchase Primary 5/XX/2015 IN $XXX Loan Review Complete 2023-06-19 16:00:44.000000 Compliance Federal Compliance Compliance Open   2 28622084 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Loan Package Documentation Application / Processing Credit Open   1 26006225 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2015                 
Disaster End Date: 12/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 01/XX/2019		            
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Insurance Insurance Documentation Credit Open   1 26006226 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006227 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006228 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006229 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006230 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064790 XXX XXX XXX XXX Purchase Primary 5/XX/2015 AK $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006231 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Signed at closing          
275064805 XXX XXX XXX XXX Purchase Primary 5/XX/2015 TX $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Loan Package Documentation Application / Processing Credit Open   1 26006240 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2015                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		            
275064805 XXX XXX XXX XXX Purchase Primary 5/XX/2015 TX $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006242 RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application RESPA Disclosure Rule:  HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. Document not provided in a timely fashion.          
275064805 XXX XXX XXX XXX Purchase Primary 5/XX/2015 TX $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006243 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064789 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2015 NY $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Loan Package Documentation Application / Processing Credit Open   1 26006271 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 03/XX/2015                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064789 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2015 NY $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Asset Asset Documentation Credit Open   3 26006272 Guideline Issue:Insufficient asset documentation. Financial Institution: XXX // Account Type: Checking / Account Number: XXX Two months required, one month provided.          
275064789 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2015 NY $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006273 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.            
275064789 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2015 NY $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006274 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064787 XXX XXX XXX XXX Purchase Primary 3/XX/2015 PA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006278 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064787 XXX XXX XXX XXX Purchase Primary 3/XX/2015 PA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006279 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064786 XXX XXX XXX XXX Purchase Primary 1/XX/2015 PA $XXX Loan Review Complete 2022-01-04 13:00:43.000000 Compliance Federal Compliance Compliance Open   2 26006309 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064786 XXX XXX XXX XXX Purchase Primary 1/XX/2015 PA $XXX Loan Review Complete 2022-01-04 13:00:43.000000 Compliance Federal Compliance Compliance Open   2 26006310 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275064786 XXX XXX XXX XXX Purchase Primary 1/XX/2015 PA $XXX Loan Review Complete 2022-01-04 13:00:43.000000 Compliance Federal Compliance Compliance Open   2 26006311 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275064786 XXX XXX XXX XXX Purchase Primary 1/XX/2015 PA $XXX Loan Review Complete 2022-01-04 13:00:43.000000 Compliance Federal Compliance Compliance Open   2 26006312 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Loan Package Documentation Application / Processing Credit Open   1 26006333 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2014                 
Disaster End Date: 02/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 01/XX/2018		            
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Income / Employment Income Documentation Credit Open   3 26006334 REO Documents are missing. Address: XXX, CA, Address: XXX, CA Lease Agreement
Lease Agreement		           Provide missing documentation
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Missing Document General Credit Open   3 26006335 Missing Document: Official Check not provided             Provide missing documentation
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006336 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006337 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006338 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006339 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006340 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006341 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. Missing initial loan application.          
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006342 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Evidence of receipt by borrower not provided.         Provide missing documentation
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006343 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006344 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX.  Variance = $XXX.00.  Lender to provide corrected CD and copy of letter sent to borrower explaining changes.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006345 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial loan application.          
275064784 XXX XXX XXX XXX Purchase Primary 12/XX/2014 CA $XXX Loan Review Complete 2022-02-14 21:00:42.000000 Compliance Federal Compliance Compliance Open   2 26006346 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing initial loan application.          
275064783 XXX XXX XXX XXX Purchase Primary 11/XX/2014 NJ $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26006407 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064783 XXX XXX XXX XXX Purchase Primary 11/XX/2014 NJ $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26006408 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064783 XXX XXX XXX XXX Purchase Primary 11/XX/2014 NJ $XXX Loan Review Complete 2022-03-01 02:07:03.000000 Compliance Federal Compliance Compliance Open   2 26006409 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. HUD Settlement Cost Booklet not provided.         Provide missing documentation
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006446 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE dated 10/XX/2014 Important Dates Section, Other Settlement Charges Good Through Date is 10/XX/2014, which is less than the 10 business days required.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006447 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note. Final GFE disclosed an interest rate of 4.125%. Note verifies the interest rate is 3.875%.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006448 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Final GFE disclosed a payment of $XXX. Note verifies the payment is $XXX.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006449 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. List of Service Providers dated 10/XX/2014 was not provided to the borrowers at the time the Good Faith Estimate dated 10/XX/2014.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006450 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. Final TIL disclosed an Estimated Escrow Payment of $XXX. Verified Escrow Payment is $XXX per month. Difference of $XXX is due to borrowers were qualified with monthly real estate taxes of $XXX however, the Title Commitment and Tax Certificate verify monthly real estate taxes are $XXX.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006451 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. Final TIL disclosed a Total Payment of $XXX. Verified Total Payment is $XXX per month. Difference of $XXX is due to borrowers were qualified with monthly real estate taxes of $XXX however, the Title Commitment and Tax Certificate verify monthly real estate taxes are $XXX.          
275064785 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2014 ME $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Compliance Federal Compliance Compliance Open   2 26006452 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not included the following settlement fees in prepaid finance charges: Release Tracking Fee of $XXX, and Closing Protection Letter Fee of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Loan Package Documentation Application / Processing Credit Open   1 26006457 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2014                 
Disaster End Date: 05/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2021		            
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Missing Document General Credit Open   2 26006458 Missing Document: Econsent not provided   No evidence of receipt was located in the file. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $XXX.

The qualifying DTI on the loan is less than or equal to 35%.

The representative FICO score is above 680.

Borrower has worked in the same position for more than 3 years.		     (2023/XX/30): Comp factors used to regrade  exception Provide missing documentation
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Missing Document General Credit Open   2 26006459 Missing Document: Account Statements - Personal not provided     The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26006460 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.       (2023/XX/19): EXCEPTION HISTORY - Exception Detail was updated on 06/XX/2023 PRIOR Exception Detail: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Asset Asset Calculation / Analysis Credit Open   2 26006461 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.   The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 26006462 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Due to missing asset documentation.       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2022-02-15 17:39:43.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   2 26006463 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of $XXX is less than AUS qualifying asset balance of $XXX.   The representative FICO score is above 680.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275064782 XXX XXX XXX XXX Purchase Primary 9/XX/2014 LA $XXX Reviewed with Exceptions 2023-06-19 16:17:33.000000 Compliance Federal Compliance Compliance Open   2 28622143 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275064781 XXX XXX XXX XXX Purchase Primary 8/XX/2014 CA $XXX Loan Review Complete 2022-01-28 18:11:03.000000 Missing Document General Credit Open   3 26006486 Missing Document: Account Statements - Personal not provided   Final HUD-1 disclosed an earnest money deposit of $XXX and wire confirmation verifies the EMD came from the borrower's account with XXX however, the file is missing 2 months of bank statements to verify the EMD came from the borrower's own funds as required by DU Condition #14.         Provide missing documentation
275064779 XXX XXX XXX XXX Purchase Primary 6/XX/2014 MA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006550 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE dated 06/XX/2014 Important Dates Section, Other Settlement Charges Good Through Date is 06/XX/2014, which is less than the 10 business days required.          
275064779 XXX XXX XXX XXX Purchase Primary 6/XX/2014 MA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006551 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note. Final GFE disclosed an interest rate of 4.75%. Note verifies the interest rate is 4.625%.          
275064779 XXX XXX XXX XXX Purchase Primary 6/XX/2014 MA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006552 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Final GFE disclosed a payment of $XXX (including mortgage insurance). Note and mortgage insurance certificate verify the total payment is $XXX.          
275064779 XXX XXX XXX XXX Purchase Primary 6/XX/2014 MA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance State Compliance Compliance Open   2 26006553 Massachusetts Late Charge Percent Testing Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%. Late charge fee of 5.00% exceeds the maximum allowed of 3.00% for the State of Massachusetts.          
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Insurance Insurance Documentation Credit Open   1 26006652 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006653 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006654 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006655 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006656 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006657 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006658 Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Compliance Federal Compliance Compliance Open   2 26006659 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Guideline Guideline Issue Credit Open   3 26006665 Aged document: Asset Account date is more than 90 days prior to Closing. Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX, Financial Institution: XXX // Account Type: Individual XXX Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX            
275064778 XXX XXX XXX XXX Purchase Primary 4/XX/2014 GA $XXX Loan Review Complete 2022-03-01 15:16:14.000000 Missing Document General Credit Open   3 26006666 Missing Document: Account Statements - Personal not provided   EMD source document not provided.         Provide missing documentation
275064820 XXX XXX XXX XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 2021-04-21 12:38:16.000000 Insurance Insurance Analysis Credit Open   3 26006830 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $XXX.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.          
275064820 XXX XXX XXX XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 2021-04-21 15:51:22.000000 Insurance Insurance Documentation Credit Open   1 26006832 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064820 XXX XXX XXX XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 2021-04-21 16:25:37.000000 Compliance Federal Compliance Compliance Open   2 26006833 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2018). (Final/01/XX/2018) Finance Charge disclosed is XXXX.  Calculated finance charge is $XXX.  Variance of $XXX TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064820 XXX XXX XXX XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 2021-04-21 16:29:13.000000 Compliance Federal Compliance Compliance Open   2 26006834 TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2018). (Final/01/XX/2018) Total Number of Payments disclosed are $XXX.  Calculatednumber of payments are $XXX.  Variance of $XXX TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery,  Corrected CD, and Re-open Rescission if Applicable         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
275064826 XXX XXX XXX XXX Purchase Primary 10/XX/2018 NH $XXX Loan Review Complete 2020-03-27 12:48:05.000000 Compliance Federal Compliance Compliance Open   2 26006873 TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/10/XX/2018) Page 1 Escrow payment $XXX.  Page 4 reflects $XXX.         Letter of Explanation & Corrected Closing Disclosure
275064826 XXX XXX XXX XXX Purchase Primary 10/XX/2018 NH $XXX Loan Review Complete 2020-03-27 12:48:05.000000 Compliance Federal Compliance Compliance Open   2 26006874 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/09/XX/2018) Econsent granted 10/XX/2018.          
275065228 XXX XXX XXX XXX Purchase Investment 3/XX/2005 NV $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26197235 Missing Document: Missing Final 1003             Provide missing documentation
275065228 XXX XXX XXX XXX Purchase Investment 3/XX/2005 NV $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26199418 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065285 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26200848 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065285 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26200849 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065285 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26200851 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065285 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26200852 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065285 XXX XXX XXX XXX Purchase Primary 11/XX/2005 NH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26200855 (Doc Error) Initial GFE not provided              
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26201482 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   3 26201483 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26201484 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26201485 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26201486 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26201489 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26201490 (Doc Error) Initial GFE not provided              
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26201491 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065293 XXX XXX XXX XXX Purchase UTD 9/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26201494 Missing Document: Missing Final 1003             Provide missing documentation
275065316 XXX XXX XXX XXX Purchase Primary 4/XX/2004 ME $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26205174 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065316 XXX XXX XXX XXX Purchase Primary 4/XX/2004 ME $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26205175 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065316 XXX XXX XXX XXX Purchase Primary 4/XX/2004 ME $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26205176 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Missing Document General Credit Cleared 12/29/2020 1 26110730 Missing Document: 1007 Rent Comparison Schedule not provided           (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Insurance Insurance Analysis Credit Cleared 12/29/2020 1 26110731 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.           (2020/XX/29): OK to Clear per CSM.  
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Missing Document General Credit Cleared 12/29/2020 1 26110733 Missing Document: Stated not provided           (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Insurance Insurance Documentation Credit Cleared 12/29/2020 1 26110734 Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.   HOI present is referencing the primary residence and not the subject property.       (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Insurance Insurance Analysis Credit Cleared 12/29/2020 1 26110735 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI in file reflects primary and not subject property.       (2020/XX/29): OK to Clear per CSM.  
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Loan Package Documentation Loan File Credit Cleared 12/29/2020 1 26110736 Missing Document: Hazard Insurance Policy not provided           (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110737 TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 06/XX/2016 not accurate. (Final/06/XX/2016) Verified  to disclosure  amount on Final Closing Disclosure       (2020/XX/29): OK to Clear per CSM. Letter of Explanation & Corrected Closing Disclosure
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110738 TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2016 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1312397) Verified  to disclosure payment amount on Final Closing Disclosure       (2020/XX/29): OK to Clear per CSM. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110739 TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Missing Right to Receive disclosure       (2020/XX/29): OK to Clear per CSM.  
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110740 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/06/XX/2016) Verified esignature document       (2020/XX/29): OK to Clear per CSM. No Defined Cure
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Loan Package Documentation Application / Processing Credit Cleared 12/29/2020 1 26110741 Missing Document: AUS not provided   The Ability to Repay document and the Loan and Underwriting and Trasmittal Summary (1008) form indicated the loan was approved by Desktop Underwriter, which was not provided in the loan file.       (2020/XX/29): OK to Clear per CSM. Provide missing documentation
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/29/2020 1 26110742 AUS/Guideline Findings: All conditions were not met   The ATR review and the 1008 approval both indicate the loan was approved by Desktop Underwriter (DU), which is not provided in the loan file.  Unable to determine if all conditions were met due to the missing approval.       (2020/XX/29): OK to Clear per CSM.  
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110743 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016)         (2020/XX/29): OK to Clear per CSM.  
275065159 XXX XXX XXX XXX Refinance Cash-out - Other Investment 6/XX/2016 CA $XXX Loan Review Complete 2020-09-28 16:19:04.000000 Compliance Federal Compliance Compliance Cleared 12/29/2020 1 26110744 TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/05/XX/2016) Evidence of earlier borrower receipt was not found in file.       (2020/XX/29): OK to Clear per CSM. No Defined Cure
275065127 XXX XXX XXX XXX Purchase Primary 10/XX/2008 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Compliance Federal Compliance Compliance Open   2 26111387 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2008.           Provide missing documentation
275065187 XXX XXX XXX XXX Refinance Streamlined Primary 9/XX/2009 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Loan Package Documentation Government Documentation Credit Open   3 26111390 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065187 XXX XXX XXX XXX Refinance Streamlined Primary 9/XX/2009 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Compliance Miscellaneous Compliance Compliance Open   2 26111391 (Doc Error) Initial GFE not provided              
275065187 XXX XXX XXX XXX Refinance Streamlined Primary 9/XX/2009 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Compliance Federal Compliance Compliance Open   1 26111392 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065187 XXX XXX XXX XXX Refinance Streamlined Primary 9/XX/2009 IL $XXX Loan Review Complete 2019-04-12 19:52:18.000000 Compliance Federal Compliance Compliance Open   2 26111393 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   3 26111739 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111740 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111741 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111742 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111743 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111744 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065166 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Loan Package Documentation Closing / Title Compliance Open   2 26111745 (Doc Error) TIL Error: Borrower signature not dated.              
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26111766 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26111767 (Doc Error) Initial GFE not provided              
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   3 26111768 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111769 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance State Compliance Compliance Open   2 26111770 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance State Compliance Compliance Open   2 26111771 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance State Compliance Compliance Open   2 26111772 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance State Compliance Compliance Open   2 26111773 Michigan Prepayment Penalty Michigan Prepayment Penalty:  First lien loan contains an impermissible prepayment penalty of greater than 1% of the prepaid balance. PPP Expired. Prepayment Penalty Charges are not allowed per state (MI) - max prepayment penalty charge for MI is 1% within 36 months - note states 6 months interest within 12 months. Lender is XXX.          
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111774 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111775 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111776 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065201 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2006 MI $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26111777 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Loan Package Documentation Application / Processing Credit Open   1 26111921 Missing Document: Missing Final 1003             Provide missing documentation
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26111922 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Compliance Federal Compliance Compliance Open   2 26111923 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Compliance State Compliance Compliance Open   2 26111924 South Carolina Prepayment Penalty South Carolina Prepayment Penalty:  Prepayment penalty not permissible on a loan in the amount less than $XXX. PPP Expired. Prepayment charge not allowed per state (SC) - No prepayment charge allowed for loans under $XXX. - note states 3%, 2%, 1%. Lender is XXX          
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Compliance Federal Compliance Compliance Open   2 26111925 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065135 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 SC $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Compliance Federal Compliance Compliance Open   2 26111926 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065155 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KS $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112162 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065155 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KS $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112163 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065155 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KS $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112164 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065155 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 KS $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112165 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065188 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112505 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065188 XXX XXX XXX XXX Purchase Primary 7/XX/2007 MD $XXX Loan Review Complete 2019-11-05 20:54:35.000000 Compliance Federal Compliance Compliance Open   2 26112506 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065178 XXX XXX XXX XXX Purchase Primary 2/XX/2005 TX $XXX Loan Review Complete 2019-11-06 17:55:30.000000 Compliance Federal Compliance Compliance Open   2 26112576 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065178 XXX XXX XXX XXX Purchase Primary 2/XX/2005 TX $XXX Loan Review Complete 2019-11-06 17:55:30.000000 Compliance Federal Compliance Compliance Open   2 26112577 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.48982% is in excess of the allowable maximum of  5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .48982%).            
275065178 XXX XXX XXX XXX Purchase Primary 2/XX/2005 TX $XXX Loan Review Complete 2019-11-06 17:55:30.000000 Compliance Federal Compliance Compliance Open   2 26112578 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065178 XXX XXX XXX XXX Purchase Primary 2/XX/2005 TX $XXX Loan Review Complete 2019-11-06 17:55:30.000000 Compliance Federal Compliance Compliance Open   2 26112579 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065152 XXX XXX XXX XXX Purchase Primary 11/XX/2007 PA $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Loan Package Documentation Application / Processing Credit Open   1 26112605 Missing Document: Missing Final 1003             Provide missing documentation
275065152 XXX XXX XXX XXX Purchase Primary 11/XX/2007 PA $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26112606 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065152 XXX XXX XXX XXX Purchase Primary 11/XX/2007 PA $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26112607 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2007.           Provide missing documentation
275065154 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 26112701 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065154 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 2019-02-11 15:30:20.000000 Compliance Federal Compliance Compliance Open   2 26112702 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065141 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 RI $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 26112703 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
275065141 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 RI $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 26112704 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2004.           Provide missing documentation
275065141 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 RI $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 26112705 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065141 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 RI $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 26112706 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065141 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 RI $XXX Loan Review Complete 2019-02-10 11:48:34.000000 Compliance Federal Compliance Compliance Open   2 26112707 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065147 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 IN $XXX Loan Review Complete 2018-06-22 17:55:34.000000 Compliance Federal Compliance Compliance Open   2 26112894 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065147 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 IN $XXX Loan Review Complete 2018-06-22 17:55:34.000000 Compliance Federal Compliance Compliance Open   2 26112895 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065147 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2006 IN $XXX Loan Review Complete 2018-06-22 17:55:34.000000 Insurance Insurance Documentation Credit Open   1 26112896 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065145 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 26112899 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 7.05500% is underdisclosed from calculated APR of 7.19585% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065145 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 FL $XXX Loan Review Complete 2018-06-26 13:11:19.000000 Compliance Federal Compliance Compliance Open   2 26112900 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine underdisclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 AL $XXX Loan Review Complete 2020-02-07 09:48:36.000000 Compliance Miscellaneous Compliance Compliance Open   2 26112950 (Doc Error) Initial GFE not provided              
275065153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 AL $XXX Loan Review Complete 2020-02-07 09:48:36.000000 Compliance Federal Compliance Compliance Open   2 26112951 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065153 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 AL $XXX Loan Review Complete 2020-02-07 09:48:36.000000 Compliance Federal Compliance Compliance Open   2 26112952 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065209 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Loan Package Documentation Application / Processing Credit Open   1 26112942 Missing Document: Missing Final 1003             Provide missing documentation
275065209 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26112943 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2006.           Provide missing documentation
275065209 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26112944 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065209 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Credit Credit Documentation Credit Open   3 26112945 Missing Document: Credit Report not provided             Provide missing documentation
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26113002 Missing Document: Missing Final 1003             Provide missing documentation
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113003 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113004 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113005 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance State Compliance Compliance Open   2 26113006 Tennessee Prepayment Penalty Test Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. PPP expired - Note did not disclose on its face in at least ten (10) point bold type, separated from other language by bold print dividing lines that the Note contains a prepayment penalty, a requirement of the state of TN.  Lender is XXX.          
275065195 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 TN $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113007 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Loan Package Documentation Application / Processing Credit Open   1 26113028 Missing Document: Missing Final 1003             Provide missing documentation
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Compliance Federal Compliance Compliance Open   2 26113029 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Compliance Federal Compliance Compliance Cleared 06/13/2019 1 26113030 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 2 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.         (2019/XX/13): Client approved use of LOS app date for actual creditor app date field for testing. Lowest threshold rate was the same for app date, 1 day prior to app date and 2 days prior to app date. Re-test results in no missing app date violation. Provide missing documentation
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Compliance State Compliance Compliance Open   2 26113031 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $XXX contains an impermissible prepayment penalty. PPP Expired. Prepayment charge not allowed per state (NC) - max prepayment charge for NC loan amount of $XXX or less is 0% - note states 3%, 2%, 1%. Lender is XXX          
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Compliance Federal Compliance Compliance Open   2 26113032 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance Cleared 06/13/2019 1 26113033 (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) Truth in Lending Act (HOEPA): APR Threshold is exceeded by .11930%. APR of 12.86930% exceeds a threshold of 12.75000% based on the US Treasury for comparable maturities of 4.75000% plus jurisdiction allowable margin of 8.00000%.  Non-Compliant High Cost Loan.     (2019/XX/12): Disagree with Investor:  Final TIL APR is 12.890%.  Threshold his 13.26% based on the US Treasury for comparable maturities of 5.26 plus jurisdiction allowable margin of 8%.  Not a high cost loan. See Attached Doc   (2019/XX/12): WF response indicates treasury yield of 5.26 was used to determine APR threshold which corresponds to an application date of June 2006, however, loan file does not contain evidence of initial creditor application date.

If the initial creditor application is missing from file, AMC's default approach is to perform compliance testing using a 6 month lookback from consummation date and report compliance findings based on the worst case scenario from the lookback as there is no conclusive evidence of when creditor received application.

There is an LOS screen shot in file showing app date of 6/XX/06.  At client's discretion, AMC can run compliance testing based on this date upon receiving client's written request.

(2019/XX/13): Client approved use of LOS app date for actual creditor app date field for testing. Lowest threshold rate was the same for app date, 1 day prior to app date and 2 days prior to app date. Re-test results in no HOEPA APR violation.		 (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-05-30 19:18:14.000000 Compliance State Compliance Compliance Cleared 06/13/2019 1 26113034 (State High Cost) North Carolina High-Cost Loan (Calculated APR/Rate) North Carolina Anti-Predatory Lending Law: APR Threshold is exceeded by .11930%. APR of 12.86930% exceeds a threshold of 12.75000% based on the US Treasury for comparable maturities of 4.75000% plus jurisdiction allowable margin of 8.00000%.  Non-Compliant High Cost Loan.     (2019/XX/12): Disagree with Investor:  Final TIL APR is 12.890%.  Threshold his 13.26% based on the US Treasury for comparable maturities of 5.26 plus jurisdiction allowable margin of 8%.  Not a high cost loan. See Attached Doc   (2019/XX/12): WF response indicates treasury yield of 5.26 was used to determine APR threshold which corresponds to an application date of June 2006, however, loan file does not contain evidence of initial creditor application date.

If the initial creditor application is missing from file, AMC's default approach is to perform compliance testing using a 6 month lookback from consummation date and report compliance findings based on the worst case scenario from the lookback as there is no conclusive evidence of when creditor received application.

There is an LOS screen shot in file showing app date of 6/XX/06.  At client's discretion, AMC can run compliance testing based on this date upon receiving client's written request.

(2019/XX/13): Client approved use of LOS app date for actual creditor app date field for testing. Lowest threshold rate was the same for app date, 1 day prior to app date and 2 days prior to app date. Re-test results in no NC APR violation.		 (Limited Use Bona Fide Errors - Compliance and Client Approval Required)   Within 30 days of loan closing or 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure;  (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;  (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations.  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.
275065171 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NC $XXX Loan Review Complete 2019-06-13 16:52:16.000000 Loan Package Documentation Application / Processing Compliance Open   1 26113035 Missing Document: Missing Lender's Initial 1003   Client approved use of LOS app date for actual creditor app date field for testing. Lender's Initial 1003 remains missing.         Provide missing documentation
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26113008 Missing Document: Missing Final 1003             Provide missing documentation
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26113009 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113010 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113011 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113012 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2006.           Provide missing documentation
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113013 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113014 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113016 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 10.25000% is overdisclosed from calculated APR of 10.04000% outside of 0.125% tolerance. Unable to determine reason for fee portion of under disclosure due to missing Itemization of Amount Financed.  Payment stream portion is due to DSI interest collection.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065143 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 2019-05-14 19:32:48.000000 Compliance Federal Compliance Compliance Open   2 26113017 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for fee portion of under disclosure due to missing Itemization of Amount Financed.  Payment stream portion is due to DSI interest collection.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065168 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 NC $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Insurance Insurance Documentation Credit Open   1 26113114 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065168 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 NC $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26113115 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065168 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 NC $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26113116 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065168 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2007 NC $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26113117 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Final TIL disclosed MI dropping off after 128 months, however the calculated TIL reflects MI dropping off after 129 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065215 XXX XXX XXX XXX Purchase Primary 6/XX/2005 IL $XXX Loan Review Complete 2018-12-14 13:01:30.000000 Compliance Federal Compliance Compliance Open   2 26113138 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2005.           Provide missing documentation
275065215 XXX XXX XXX XXX Purchase Primary 6/XX/2005 IL $XXX Loan Review Complete 2018-12-14 13:01:30.000000 Compliance Federal Compliance Compliance Open   2 26113140 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065215 XXX XXX XXX XXX Purchase Primary 6/XX/2005 IL $XXX Loan Review Complete 2018-12-14 13:01:30.000000 Compliance Federal Compliance Compliance Open   2 26113141 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
275065215 XXX XXX XXX XXX Purchase Primary 6/XX/2005 IL $XXX Loan Review Complete 2018-12-14 13:01:30.000000 Compliance Federal Compliance Compliance Open   2 26113142 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26113207 Missing Document: Missing Final 1003             Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113208 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   3 26113209 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113210 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113211 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113212 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113213 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Federal Compliance Compliance Open   2 26113214 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26113215 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26113216 Missing Document: Appraisal not provided             Provide missing documentation
275065126 XXX XXX XXX XXX UTD UTD Primary 2/XX/2008 WI $XXX Loan Review Complete 2020-03-18 11:06:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 26113217 (Doc Error) Initial GFE not provided              
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Loan Package Documentation Application / Processing Credit Open   1 26113241 Missing Document: Flood Certificate not provided             Provide missing documentation
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26113242 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113243 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113244 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113245 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113246 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065158 XXX XXX XXX XXX Purchase Primary 5/XX/2010 AL $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113247 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065139 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 GA $XXX Loan Review Complete 2020-03-19 15:22:04.000000 Compliance Federal Compliance Compliance Open   2 26113256 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065139 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2004 GA $XXX Loan Review Complete 2020-03-19 15:22:04.000000 Compliance Federal Compliance Compliance Open   2 26113257 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065142 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 2020-08-11 07:41:14.000000 Compliance Federal Compliance Compliance Open   2 26113258 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Loan Package Documentation Application / Processing Credit Open   1 26113311 Missing Document: Missing Final 1003             Provide missing documentation
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Loan Package Documentation Application / Processing Credit Open   1 26113312 Missing Document: Flood Certificate not provided             Provide missing documentation
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 26113313 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 26113314 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 26113315 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance State Compliance Compliance Open   2 26113316 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum allowed per State (PA).          
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 26113317 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065186 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 PA $XXX Loan Review Complete 2019-04-30 09:01:41.000000 Compliance Federal Compliance Compliance Open   2 26113318 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065193 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WV $XXX Loan Review Complete 2019-08-01 15:51:18.000000 Compliance Federal Compliance Compliance Open   1 26113352 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065193 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WV $XXX Loan Review Complete 2019-08-01 15:51:18.000000 Compliance Federal Compliance Compliance Open   3 26113353 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065193 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WV $XXX Loan Review Complete 2019-08-01 15:51:18.000000 Compliance Federal Compliance Compliance Open   2 26113354 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065140 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-05-23 11:28:05.000000 Compliance Federal Compliance Compliance Cleared 12/10/2018 1 26113466 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.         (2019/XX/23): Document provided. Provide missing documentation
275065140 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-05-23 11:28:05.000000 Compliance Federal Compliance Compliance Open   2 26113467 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065140 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 2019-05-23 11:28:05.000000 Compliance Federal Compliance Compliance Open   2 26113468 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under disclosure due to incorrect index used causing a variance in payment stream at recast         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065129 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 3/XX/2005 NY $XXX Loan Review Complete 2019-05-23 11:28:41.000000 Compliance Federal Compliance Compliance Open   2 26113470 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065129 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 3/XX/2005 NY $XXX Loan Review Complete 2019-05-23 11:28:41.000000 Compliance Federal Compliance Compliance Open   2 26113471 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2004.           Provide missing documentation
275065129 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 3/XX/2005 NY $XXX Loan Review Complete 2019-05-23 11:28:41.000000 Compliance Federal Compliance Compliance Open   2 26113472 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065164 XXX XXX XXX XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 2019-05-23 11:28:44.000000 Loan Package Documentation Government Documentation Credit Open   3 26113480 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065149 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NJ $XXX Loan Review Complete 2019-06-18 14:03:52.000000 Compliance Federal Compliance Compliance Open   2 26113551 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose an application fee of $XXX as reflected on the hud. The TIL itemization reflected a tax service fee at $XXX that is reflected at $XXX on the hud and a courier fee at $XXX that is reflected at $XXX on the hud.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Loan Package Documentation Closing / Title Credit Open   2 26113664 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113665 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113666 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113667 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113668 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113669 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Alternate Financing - Points Recouped in the Payment Stream need to override from finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Compliance Federal Compliance Compliance Open   2 26113670 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065133 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 2019-11-19 14:48:45.000000 Insurance Insurance Documentation Credit Open   1 26113671 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance Federal Compliance Compliance Open   2 26113691 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance Federal Compliance Compliance Open   2 26113692 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance Federal Compliance Compliance Open   2 26113693 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance State Compliance Compliance Open   2 26113694 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty:  Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.            
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance Federal Compliance Compliance Open   2 26113695 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065119 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2019-11-15 11:34:40.000000 Compliance Federal Compliance Compliance Open   2 26113696 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065146 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MO $XXX Loan Review Complete 2019-11-15 13:11:53.000000 Loan Package Documentation Application / Processing Credit Open   1 26113707 Missing Document: Missing Final 1003             Provide missing documentation
275065146 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MO $XXX Loan Review Complete 2019-11-15 13:11:53.000000 Compliance Federal Compliance Compliance Open   2 26113708 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065146 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MO $XXX Loan Review Complete 2019-11-15 13:11:53.000000 Compliance Federal Compliance Compliance Open   2 26113709 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065146 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MO $XXX Loan Review Complete 2019-11-15 13:11:53.000000 Compliance Federal Compliance Compliance Open   2 26113710 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065146 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MO $XXX Loan Review Complete 2019-11-15 13:11:53.000000 Compliance Federal Compliance Compliance Open   2 26113711 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Loan Package Documentation Application / Processing Credit Open   1 26113751 Missing Document: Missing Final 1003             Provide missing documentation
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Insurance Insurance Documentation Credit Open   1 26113752 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113753 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113754 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113755 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113756 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113757 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065184 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 LA $XXX Loan Review Complete 2019-11-19 14:56:03.000000 Compliance Federal Compliance Compliance Open   2 26113758 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Loan Package Documentation Application / Processing Credit Open   1 26113947 Missing Document: Missing Final 1003             Provide missing documentation
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Federal Compliance Compliance Open   2 26113948 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Federal Compliance Compliance Open   2 26113949 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Federal Compliance Compliance Open   2 26113950 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Federal Compliance Compliance Open   2 26113951 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Federal Compliance Compliance Open   2 26113952 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26113953 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 26113954 (Doc Error) Initial GFE not provided              
275065131 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 2019-11-19 11:39:17.000000 Insurance Insurance Documentation Credit Open   1 26113955 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065174 XXX XXX XXX XXX Purchase Primary 12/XX/2008 CA $XXX Loan Review Complete 2019-11-18 10:10:32.000000 Compliance Federal Compliance Compliance Open   2 26113956 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065174 XXX XXX XXX XXX Purchase Primary 12/XX/2008 CA $XXX Loan Review Complete 2019-11-18 10:10:32.000000 Compliance Federal Compliance Compliance Open   2 26113957 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065160 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2006 WI $XXX Loan Review Complete 2021-04-06 16:40:11.000000 Compliance Federal Compliance Compliance Open   2 26114024 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065160 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2006 WI $XXX Loan Review Complete 2021-04-06 16:40:11.000000 Compliance Federal Compliance Compliance Open   2 26114025 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065160 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2006 WI $XXX Loan Review Complete 2021-04-06 16:40:11.000000 Loan Package Documentation Application / Processing Credit Open   3 26114026 Missing Valuation:   Appraisal not provided.         Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114136 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114137 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114138 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114139 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114140 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114141 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065112 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NJ $XXX Loan Review Complete 2019-08-15 14:43:24.000000 Compliance Federal Compliance Compliance Open   2 26114142 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065137 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 NC $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 26114143 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065137 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 NC $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 26114144 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065137 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2010 NC $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Credit Credit Documentation Credit Open   3 26114145 Missing Document: Credit Report not provided             Provide missing documentation
275065173 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26114187 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065173 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26114188 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065173 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26114189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065120 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2006 AZ $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   2 26114197 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065120 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2006 AZ $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Compliance Federal Compliance Compliance Open   1 26114198 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065120 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2006 AZ $XXX Loan Review Complete 2019-08-29 13:13:50.000000 Loan Package Documentation Application / Processing Credit Open   1 26114199 Missing Document: Missing Final 1003             Provide missing documentation
275065121 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114259 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065121 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance State Compliance Compliance Open   2 26114260 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275065121 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114261 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065121 XXX XXX XXX XXX Purchase Primary 6/XX/2007 NC $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114262 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065113 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MO $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114265 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065113 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MO $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114267 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065113 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MO $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114268 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065113 XXX XXX XXX XXX Purchase Primary 10/XX/2004 MO $XXX Loan Review Complete 2020-07-27 12:34:16.000000 Compliance Federal Compliance Compliance Open   2 26114269 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure, due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065163 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 CO $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26114297 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065163 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 CO $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26114298 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065196 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2007 VA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26114314 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065199 XXX XXX XXX XXX Purchase Primary 5/XX/2011 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26114320 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065199 XXX XXX XXX XXX Purchase Primary 5/XX/2011 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26114321 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114339 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114340 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114341 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114342 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114343 TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.           No Defined Cure
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114344 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114345 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275065134 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26114346 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26114466 Missing Document: Missing Final 1003             Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26114467 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26114468 Missing Document: Appraisal not provided             Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 26114469 (Doc Error) Initial GFE not provided              
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26114470 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Miscellaneous Compliance Compliance Open   2 26114471 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26114472 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   3 26114473 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26114474 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26114475 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26114476 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Compliance Federal Compliance Compliance Open   2 26114477 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065203 XXX XXX XXX XXX UTD UTD UTD 8/XX/2003 CA $XXX Loan Review Complete 2021-05-06 18:18:32.000000 Credit Credit Documentation Credit Open   3 26114478 Missing Document: Credit Report not provided             Provide missing documentation
275065212 XXX XXX XXX XXX Purchase Primary 2/XX/1999 NY $XXX Loan Review Complete 2021-05-17 09:28:06.000000 Insurance Insurance Documentation Credit Open   1 26114481 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065212 XXX XXX XXX XXX Purchase Primary 2/XX/1999 NY $XXX Loan Review Complete 2021-05-17 09:28:06.000000 Compliance Federal Compliance Compliance Open   2 26114482 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065212 XXX XXX XXX XXX Purchase Primary 2/XX/1999 NY $XXX Loan Review Complete 2021-05-17 09:28:06.000000 Compliance Federal Compliance Compliance Open   2 26114483 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065207 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/1999 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114489 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065207 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/1999 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114490 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the broker fee of $XXX, the processing fee of $XXX or the wire fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065189 XXX XXX XXX XXX Purchase Second Home 8/XX/2001 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114498 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065189 XXX XXX XXX XXX Purchase Second Home 8/XX/2001 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114499 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065189 XXX XXX XXX XXX Purchase Second Home 8/XX/2001 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114500 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065189 XXX XXX XXX XXX Purchase Second Home 8/XX/2001 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 26114501 (Doc Error) Initial GFE not provided              
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114509 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114510 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114511 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114512 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114513 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065180 XXX XXX XXX XXX Refinance Rate/Term Second Home 7/XX/2003 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Loan Package Documentation Closing / Title Compliance Open   2 26114514 (Doc Error) TIL Error: Borrower signature not dated.              
275065223 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 4/XX/2004 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Loan Package Documentation Application / Processing Credit Open   1 26114524 Missing Document: Missing Final 1003             Provide missing documentation
275065223 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 4/XX/2004 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114525 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065223 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 4/XX/2004 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114526 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065223 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 4/XX/2004 FL $XXX Loan Review Complete 2021-12-15 16:53:58.000000 Compliance Federal Compliance Compliance Open   2 26114527 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065202 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2021-12-16 13:30:56.000000 Compliance Federal Compliance Compliance Open   2 26114540 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065202 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2021-12-16 13:30:56.000000 Compliance State Compliance Compliance Open   2 26114541 New York Prepayment Penalty New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 8.25000% contracts for a prepay term of 36 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065202 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2021-12-16 13:30:56.000000 Compliance Federal Compliance Compliance Open   2 26114542 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065202 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 2021-12-16 13:30:56.000000 Compliance Federal Compliance Compliance Open   2 26114543 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065116 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   1 26199402 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065116 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26199403 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065116 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26199423 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose, Homestead Exemption Waiver            
275065176 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Compliance Open   2 26202285 (Doc Error) TIL Error: Borrower signature not dated.              
275065176 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202324 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065176 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26202325 Tennessee Prepayment Penalty Test Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.            
275065176 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202326 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Cleared 07/14/2022 1 26202284 Missing Document: Missing Final 1003           (2022/XX/14): Received Final 1003 Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Cleared 07/14/2022 1 26202293 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2022/XX/14): Received stated value  
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Cleared 07/14/2022 1 26202308 (Doc Error) Initial GFE not provided           (2022/XX/14): Received GFE  
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202383 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202384 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2013 used as disbursement date for compliance testing.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202385 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202386 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202387 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202388 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202390 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202391 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202392 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202393 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/14/2022 1 26202394 TILA - Final TIL Missing Missing Final TIL.         (2022/XX/14): Received documentation Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26219496 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-14 14:50:02.000000 Insurance Insurance Documentation Credit Cleared 07/14/2022 1 26288492 Missing Document: Mortgage Insurance Certificate (MIC) not provided           (2022/XX/14): Received MI cert Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-14 18:23:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 26291585 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-14 18:25:13.000000 Loan Package Documentation Application / Processing Credit Open   3 26291586 Missing Valuation:   Valuation not provided         Provide missing documentation
275065177 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 6/XX/2013 VA $XXX Loan Review Complete 2022-07-14 18:38:10.000000 Compliance Federal Compliance Compliance Open   2 26291595 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065181 XXX XXX XXX XXX Refinance Rate/Term Investment 3/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   1 26211911 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065181 XXX XXX XXX XXX Refinance Rate/Term Investment 3/XX/2006 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26211912 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26202461 Missing Document: Missing Final 1003             Provide missing documentation
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202672 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202673 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202674 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26202675 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26202690 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065182 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26202691 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26212380 Missing Document: Missing Final 1003             Provide missing documentation
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26212431 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26212437 (Doc Error) Initial GFE not provided              
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26212439 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212448 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   3 26212449 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212450 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212451 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212452 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065197 XXX XXX XXX XXX UTD UTD UTD 6/XX/2007 CT $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26212453 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065217 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26220853 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275065217 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 OH $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26220855 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 26132634 (Doc Error) Initial GFE not provided              
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Loan Package Documentation Application / Processing Credit Open   1 26132635 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 06/XX/2015
Inspection Date:		            
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Compliance Federal Compliance Compliance Open   1 26132636 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Compliance Federal Compliance Compliance Open   2 26132637 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Compliance State Compliance Compliance Cleared 11/24/2015 1 26132638 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.         (2015/XX/24): Disclosure provided Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275065226 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 TX $XXX Loan Review Complete 2015-11-12 19:38:01.000000 Compliance State Compliance Compliance Open   3 26132639 (TX50(a)(6)) Texas Cash-out Loan  (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275065317 XXX XXX XXX XXX Purchase Primary 1/XX/2001 SC $XXX Loan Review Complete 2018-04-20 18:53:07.000000 Compliance Federal Compliance Compliance Open   2 26132799 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2000.           Provide missing documentation
275065317 XXX XXX XXX XXX Purchase Primary 1/XX/2001 SC $XXX Loan Review Complete 2018-04-20 18:53:07.000000 Compliance Federal Compliance Compliance Open   2 26132800 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065268 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 2018-12-03 15:08:28.000000 Loan Package Documentation Application / Processing Credit Open   1 26132921 Missing Document: Missing Final 1003             Provide missing documentation
275065268 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 2018-12-03 15:08:28.000000 Compliance Federal Compliance Compliance Open   2 26132922 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065268 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 2018-12-03 15:08:28.000000 Compliance Federal Compliance Compliance Open   2 26132923 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of  5/XX/2007 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065268 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 2018-12-03 15:08:28.000000 Compliance Federal Compliance Compliance Open   2 26132924 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 26132962 (Doc Error) Initial GFE not provided              
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Federal Compliance Compliance Open   1 26132963 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Federal Compliance Compliance Open   2 26132964 FNMA Points and Fees  FNMA Points and Fees on subject loan of 6.83126% is in excess of the allowable maximum of  5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.83126%).            
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Federal Compliance Compliance Open   2 26132965 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2005.           Provide missing documentation
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Federal Compliance Compliance Open   2 26132966 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065314 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 2019-04-08 08:13:17.000000 Compliance Federal Compliance Compliance Open   2 26132967 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 12:39:43.000000 Loan Package Documentation Loan File Compliance Cleared 10/24/2019 1 26133144 (Missing Doc) Incomplete loan images/file   Loan-file only contains post-closing documentation.   (2019/XX/24): [2019.10.22] MVO: Uploaded 10/XX/2019   (2019/XX/24): Received images with origination documentation Provide missing documentation
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:31:46.000000 Loan Package Documentation Application / Processing Credit Cleared 10/24/2019 1 26133145 Missing Document: Missing Final 1003           (2019/XX/24): Received Final 1003 Provide missing documentation
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:53:53.000000 Loan Package Documentation Application / Processing Credit Open   3 26133146 Missing Valuation:   Appraisal not provided         Provide missing documentation
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:54:29.000000 Credit General Credit Open   3 26133147 Initial Rate Lock rate date is not documented in file.              
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:57:07.000000 Compliance Federal Compliance Compliance Open   2 26133148 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:57:07.000000 Compliance Federal Compliance Compliance Open   2 26133149 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:57:07.000000 Compliance State Compliance Compliance Open   2 26133150 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty:  Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)            
275065230 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 OH $XXX Loan Review Complete 2019-10-24 16:57:07.000000 Compliance Federal Compliance Compliance Open   2 26133151 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Compliance Miscellaneous Compliance Compliance Open   2 26133308 (Doc Error) Initial GFE not provided              
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Credit General Credit Open   3 26133309 Initial Rate Lock rate date is not documented in file.              
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26133310 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Compliance Federal Compliance Compliance Open   2 26133311 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Compliance Federal Compliance Compliance Open   2 26133312 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Compliance Federal Compliance Compliance Open   2 26133313 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Compliance Federal Compliance Compliance Open   2 26133314 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065239 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 2020-08-21 18:40:37.000000 Loan Package Documentation Application / Processing Credit Open   1 26133315 Missing Document: Missing Final 1003             Provide missing documentation
275065264 XXX XXX XXX XXX Purchase Primary 3/XX/2003 IL $XXX Loan Review Complete 2020-01-30 10:44:13.000000 Compliance Federal Compliance Compliance Open   2 26133580 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065262 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2008 GA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Loan Package Documentation Application / Processing Credit Open   1 26133615 Missing Document: Missing Final 1003             Provide missing documentation
275065262 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2008 GA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Loan Package Documentation Closing / Title Credit Open   3 26133616 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275065262 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2008 GA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26133617 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065262 XXX XXX XXX XXX Refinance Rate/Term Investment 9/XX/2008 GA $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26133618 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065258 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 OR $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26133636 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065258 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2007 OR $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26133637 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065259 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 2020-02-05 14:47:14.000000 Compliance Federal Compliance Compliance Open   2 26133638 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065256 XXX XXX XXX XXX Purchase Investment 4/XX/2007 MO $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Loan Package Documentation Application / Processing Credit Open   1 26133663 Missing Document: Missing Final 1003             Provide missing documentation
275065256 XXX XXX XXX XXX Purchase Investment 4/XX/2007 MO $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26133664 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065256 XXX XXX XXX XXX Purchase Investment 4/XX/2007 MO $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   3 26133665 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065256 XXX XXX XXX XXX Purchase Investment 4/XX/2007 MO $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26133666 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065255 XXX XXX XXX XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 2020-02-20 15:26:01.000000 Loan Package Documentation Application / Processing Credit Open   1 26133688 Missing Document: Missing Final 1003             Provide missing documentation
275065255 XXX XXX XXX XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 2020-02-20 15:26:01.000000 Compliance Federal Compliance Compliance Open   2 26133689 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065255 XXX XXX XXX XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 2020-02-20 15:26:01.000000 Insurance Insurance Documentation Credit Open   1 26133690 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065265 XXX XXX XXX XXX Purchase Primary 12/XX/2003 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Loan Package Documentation Application / Processing Credit Open   1 26133775 Missing Document: Missing Final 1003             Provide missing documentation
275065265 XXX XXX XXX XXX Purchase Primary 12/XX/2003 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Loan Package Documentation Closing / Title Compliance Open   2 26133776 (Doc Error) TIL Error: Borrower signature not dated.              
275065257 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26133916 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065257 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance State Compliance Compliance Open   2 26133917 New Jersey Prepayment Penalty New Jersey Prepayment Penalty:  No prepayment penalties are permissible in the state of New Jersey.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Loan Package Documentation Application / Processing Credit Open   1 26134044 Missing Document: Missing Final 1003             Provide missing documentation
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134045 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   3 26134046 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134047 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134048 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance State Compliance Compliance Open   2 26134049 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance State Compliance Compliance Open   2 26134050 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance State Compliance Compliance Open   2 26134051 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134052 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134053 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26134054 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26134055 Missing Document: Appraisal not provided             Provide missing documentation
275065249 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 26134056 (Doc Error) Initial GFE not provided              
275065253 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134111 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065253 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Compliance Federal Compliance Compliance Open   2 26134112 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065253 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 2020-04-21 11:23:45.000000 Loan Package Documentation Application / Processing Credit Open   1 26134113 Missing Document: Missing Final 1003             Provide missing documentation
275065266 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 26134279 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065266 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 26134280 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 6.50400% is underdisclosed from calculated APR of 7.38297% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065266 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 26134281 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The Lender's TIL reflects MI dropping off after 360 months; however, the audited TIL indicates MI should drop off after 120 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065252 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 CT $XXX Loan Review Complete 2019-03-05 10:45:45.000000 Compliance Federal Compliance Compliance Open   2 26134343 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065252 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 CT $XXX Loan Review Complete 2019-03-05 10:45:45.000000 Compliance Federal Compliance Compliance Open   2 26134344 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275065252 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2005 CT $XXX Loan Review Complete 2019-03-05 10:45:45.000000 Compliance Federal Compliance Compliance Open   2 26134345 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065260 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2020-05-21 20:24:31.000000 Compliance Federal Compliance Compliance Open   2 26134520 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065260 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 2020-05-21 20:24:31.000000 Compliance Federal Compliance Compliance Open   2 26134521 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Loan Package Documentation Application / Processing Credit Open   1 26134539 Missing Document: Missing Final 1003             Provide missing documentation
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26134540 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26134541 Missing Document: Appraisal not provided             Provide missing documentation
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 26134542 (Doc Error) Initial GFE not provided              
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Federal Compliance Compliance Open   3 26134543 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Federal Compliance Compliance Open   2 26134544 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065244 XXX XXX XXX XXX Construction-Permanent Primary 5/XX/2001 AL $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Federal Compliance Compliance Open   2 26134545 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065263 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 2019-02-19 18:55:14.000000 Compliance Federal Compliance Compliance Open   2 26134669 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065263 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 2019-02-19 18:55:14.000000 Compliance Federal Compliance Compliance Open   2 26134670 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065263 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 2019-02-19 18:55:14.000000 Compliance Federal Compliance Compliance Open   2 26134671 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065263 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 2019-02-19 18:55:14.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26134672 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2013           Provide missing documentation
275065269 XXX XXX XXX XXX Refinance Streamlined Primary 5/XX/2009 NJ $XXX Loan Review Complete 2018-05-19 05:25:27.000000 Compliance Miscellaneous Compliance Compliance Open   2 26134746 (Doc Error) Initial GFE not provided              
275065269 XXX XXX XXX XXX Refinance Streamlined Primary 5/XX/2009 NJ $XXX Loan Review Complete 2018-05-19 05:25:27.000000 Compliance Federal Compliance Compliance Open   1 26134747 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065269 XXX XXX XXX XXX Refinance Streamlined Primary 5/XX/2009 NJ $XXX Loan Review Complete 2018-05-19 05:25:27.000000 Compliance Federal Compliance Compliance Open   2 26134748 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2009.           Provide missing documentation
275065273 XXX XXX XXX XXX         $XXX Loan Review Complete 2022-06-24 14:38:02.000000 Loan Package Documentation Closing / Title Compliance Open   3 26134883 Missing Document: Note - Subject Lien not provided             Provide missing documentation
275065273 XXX XXX XXX XXX         $XXX Loan Review Complete 2022-06-24 14:38:02.000000 Loan Package Documentation Application / Processing Credit Open   1 26134884 Missing Document: Missing Final 1003             Provide missing documentation
275065273 XXX XXX XXX XXX         $XXX Loan Review Complete 2022-06-24 14:38:02.000000 Loan Package Documentation Application / Processing Compliance Open   1 26134885 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065273 XXX XXX XXX XXX         $XXX Loan Review Complete 2022-06-24 14:38:02.000000 Loan Package Documentation Closing / Title Credit Open   3 26134886 Missing Document: Security Instrument - Subject Lien not provided             Provide missing documentation
275065276 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NM $XXX Loan Review Complete 2019-10-31 12:15:05.000000 Compliance Miscellaneous Compliance Compliance Open   2 26134970 (Doc Error) Initial GFE not provided              
275065276 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NM $XXX Loan Review Complete 2019-10-31 12:15:05.000000 Compliance Federal Compliance Compliance Open   2 26134971 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065278 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MD $XXX Loan Review Complete 2019-11-20 15:28:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26135039 Missing Document: Missing Final 1003             Provide missing documentation
275065278 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MD $XXX Loan Review Complete 2019-11-20 15:28:08.000000 Compliance Federal Compliance Compliance Open   2 26135041 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065278 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MD $XXX Loan Review Complete 2019-11-20 15:28:08.000000 Compliance State Compliance Compliance Open   2 26135042 Maryland Prepayment Penalty Test Maryland Prepayment Penalty:  Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment charge not allowed per state(MD) - max prepayment charge for MD ARM loan is 2 months interest - note states 6 months interest. Lender is XXX a Division of Nat. City Bank of IN.          
275065278 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MD $XXX Loan Review Complete 2019-11-20 15:28:08.000000 Compliance Federal Compliance Compliance Open   2 26135043 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an escrow service fee of $XXX or courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065279 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 IL $XXX Loan Review Complete 2019-11-18 14:31:12.000000 Compliance Federal Compliance Compliance Open   2 26135065 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065279 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 IL $XXX Loan Review Complete 2019-11-18 14:31:12.000000 Compliance Federal Compliance Compliance Open   2 26135066 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065279 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 IL $XXX Loan Review Complete 2019-11-18 14:31:12.000000 Compliance Federal Compliance Compliance Open   2 26135067 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065277 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 26135210 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065277 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 26135211 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065277 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 26135212 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065277 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2003 IN $XXX Loan Review Complete 2019-09-16 12:39:08.000000 Compliance Federal Compliance Compliance Open   2 26135213 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing final itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065300 XXX XXX XXX XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 2016-06-17 19:55:13.000000 Insurance Insurance Documentation Credit Open   1 26135517 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065300 XXX XXX XXX XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 2016-06-17 19:55:13.000000 Compliance Federal Compliance Compliance Open   2 26135518 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Compliance Federal Compliance Compliance Open   2 26135553 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Compliance Federal Compliance Compliance Open   2 26135554 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Compliance Federal Compliance Compliance Open   3 26135555 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Compliance Federal Compliance Compliance Open   2 26135556 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Loan Package Documentation Closing / Title Credit Open   2 26135557 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Compliance Miscellaneous Compliance Compliance Open   2 26135558 Initial TIL not provided              
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Loan Package Documentation Closing / Title Compliance Open   2 26135559 (Doc Error) TIL Error: Borrower signature not dated.              
275065302 XXX XXX XXX XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 2018-03-02 18:15:16.000000 Loan Package Documentation Closing / Title Compliance Open   2 26135560 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Loan Package Documentation Application / Processing Credit Open   1 26135799 Missing Document: Missing Final 1003             Provide missing documentation
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26135800 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Miscellaneous Compliance Compliance Open   2 26135801 (Doc Error) Initial GFE not provided              
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   2 26135802 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   3 26135803 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   2 26135804 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/1996 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   2 26135805 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   2 26135806 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065301 XXX XXX XXX XXX Purchase Primary 4/XX/1996 FL $XXX Loan Review Complete 2021-07-07 09:17:26.000000 Compliance Federal Compliance Compliance Open   2 26135807 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Loan Package Documentation Application / Processing Credit Open   1 26135845 Missing Document: Missing Final 1003             Provide missing documentation
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135846 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135847 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance State Compliance Compliance Open   2 26135848 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135849 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135850 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26135851 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 26135852 (Doc Error) Initial GFE not provided              
275065288 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 OH $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Credit General Credit Open   3 26135853 Initial Rate Lock rate date is not documented in file.              
275065292 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   3 26135858 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065292 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135859 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065292 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Compliance Federal Compliance Compliance Open   2 26135860 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275065292 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 2021-09-03 14:14:50.000000 Credit General Credit Open   3 26135862 Initial Rate Lock rate date is not documented in file.              
275065306 XXX XXX XXX XXX Purchase Primary 10/XX/2005 PA $XXX Loan Review Complete 2021-05-04 10:29:48.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 26135999 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 09/XX/2005 Condo (Low Rise)            
275065306 XXX XXX XXX XXX Purchase Primary 10/XX/2005 PA $XXX Loan Review Complete 2021-05-04 10:29:48.000000 Compliance Federal Compliance Compliance Open   2 26136000 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065306 XXX XXX XXX XXX Purchase Primary 10/XX/2005 PA $XXX Loan Review Complete 2021-05-04 10:29:48.000000 Compliance Federal Compliance Compliance Open   2 26136001 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065306 XXX XXX XXX XXX Purchase Primary 10/XX/2005 PA $XXX Loan Review Complete 2021-05-04 10:29:48.000000 Compliance Federal Compliance Compliance Open   2 26136002 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065308 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 FL $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Loan Package Documentation Application / Processing Credit Open   1 26136014 Missing Document: Missing Final 1003             Provide missing documentation
275065308 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 FL $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26136015 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065308 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 FL $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26136016 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065308 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 FL $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26136017 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Miscellaneous Compliance Compliance Open   2 26136083 (Doc Error) Initial GFE not provided              
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Federal Compliance Compliance Open   2 26136084 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Federal Compliance Compliance Open   2 26136085 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Federal Compliance Compliance Open   2 26136086 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Federal Compliance Compliance Open   2 26136087 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065289 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KY $XXX Loan Review Complete 2019-11-18 10:55:27.000000 Compliance Federal Compliance Compliance Open   2 26136088 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Loan Package Documentation Application / Processing Credit Open   1 26136106 Missing Document: Missing Final 1003             Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136107 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2013.           Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136108 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136109 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136110 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136111 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136112 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136113 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136114 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Compliance Federal Compliance Compliance Open   2 26136115 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065234 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 PA $XXX Loan Review Complete 2019-07-19 12:27:07.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26136116 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2013           Provide missing documentation
275065309 XXX XXX XXX XXX Purchase Primary 11/XX/2007 NY $XXX Loan Review Complete 2018-09-05 09:59:32.000000 Loan Package Documentation Government Documentation Credit Open   3 26136252 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065282 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2018-07-18 17:48:14.000000 Loan Package Documentation Government Documentation Credit Open   3 26136319 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
275065282 XXX XXX XXX XXX Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 2018-07-18 17:48:14.000000 Loan Package Documentation Government Documentation Credit Open   3 26136320 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26136657 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Loan Package Documentation Closing / Title Credit Open   2 26136658 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Miscellaneous Compliance Compliance Open   2 26136659 (Doc Error) Initial GFE not provided              
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Miscellaneous Compliance Compliance Open   2 26136660 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Loan Package Documentation Application / Processing Credit Open   1 26136661 Missing Document: Missing Final 1003             Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Federal Compliance Compliance Open   2 26136662 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Federal Compliance Compliance Open   3 26136663 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Federal Compliance Compliance Open   2 26136664 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2000 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Federal Compliance Compliance Open   2 26136665 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-11-08 08:46:19.000000 Compliance Federal Compliance Compliance Open   2 26136666 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-12-24 12:17:57.000000 Loan Package Documentation Application / Processing Credit Open   1 26136667 Missing Document: Flood Certificate not provided             Provide missing documentation
275065311 XXX XXX XXX XXX UTD UTD UTD 2/XX/2000 NC $XXX Loan Review Complete 2019-12-24 12:24:51.000000 Compliance Federal Compliance Compliance Open   2 26136668 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26136838 Missing Document: Missing Final 1003             Provide missing documentation
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Credit General Credit Open   3 26136839 Initial Rate Lock rate date is not documented in file.              
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Compliance Federal Compliance Compliance Open   2 26136840 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Compliance Federal Compliance Compliance Open   2 26136841 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Compliance Federal Compliance Compliance Open   2 26136842 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065312 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 FL $XXX Loan Review Complete 2021-12-02 19:06:21.000000 Compliance Federal Compliance Compliance Open   2 26136843 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202925 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202926 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202927 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202928 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202929 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065310 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26202930 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065162 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2008 FL $XXX Loan Review Complete 2016-09-26 18:19:00.000000 Compliance Federal Compliance Compliance Open   2 26237159 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065162 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2008 FL $XXX Loan Review Complete 2016-09-26 18:19:00.000000 Compliance Federal Compliance Compliance Open   2 26237160 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065320 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 NY $XXX Loan Review Complete 2022-08-02 21:09:02.000000 Compliance Federal Compliance Compliance Open   2 26365112 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Property - Appraisal Appraisal Documentation Property Open   3 26363915 Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 Note Date:  09/XX/2021; Lien Position: 1 The file is missing a copy of the secondary valuation required for securitization purposes.         Provide missing documentation
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Compliance Federal Compliance Compliance Open   2 26364383 TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 09/XX/2021 contains a change in APR and loan product and was not received by borrower at least three (3) business days prior to consummation. No evidence in the loan files that CD dated  09/XX/2021 which contained a change in APR was received by the Borrower at least 3 business days to Closing on 09/XX/2021.         TRID timing exception, no remediation available.
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Compliance Federal Compliance Compliance Open   2 26364384 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) 10% tolerance was exceeded by $XXX due to increase of recording fee.  No valid COC provided and cure is insufficient to cure all tolerance violations. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Compliance Federal Compliance Compliance Open   2 26364385 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7578) Wire/Funding/ Disbursement Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee and cure is insufficient to cure all tolerance violations.  Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Compliance Federal Compliance Compliance Open   2 26364386 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7580) Tax Service Fee (Life of Loan) was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee and cure provided is insufficient to cure all tolerance violations.  Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065318 XXX XXX XXX XXX Purchase Primary 9/XX/2021 WI $XXX Loan Review Complete 2022-07-29 17:03:19.000000 Compliance Federal Compliance Compliance Open   3 26364404 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is Non QM. A Loan Designation was not provided by the Lender and the Due Diligence Loan Designation tested as Non-QM.          
275065319 XXX XXX XXX XXX Purchase   6/XX/2020 NY $XXX Loan Review Complete 2022-08-04 14:05:48.000000 Loan Package Documentation Loan File Compliance Open   3 26369628 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide a complete loan package including a Security Instrument.         Provide missing documentation
275065321 XXX XXX XXX XXX Purchase Primary 6/XX/2020 TX $XXX Loan Review Complete 2022-08-09 18:32:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26434470 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/XX/2020                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		            
275065321 XXX XXX XXX XXX Purchase Primary 6/XX/2020 TX $XXX Loan Review Complete 2022-08-09 18:32:08.000000 Guideline Guideline Issue Credit Open   3 26434841 The FHA Minimum Required Investment was not met per the documented Assets in file. Total Borrower Contribution (Per Assets):  $XXX; Borrower's % Investment (Per Assets): 1.21596% Evidence of transfer of gift funds of $XXX as required by FHA guidelines is missing.          
275065321 XXX XXX XXX XXX Purchase Primary 6/XX/2020 TX $XXX Loan Review Complete 2022-08-09 18:32:08.000000 Asset Asset Calculation / Analysis Credit Open   3 26434964 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Evidence of transfer of gift funds of $XXX as required by FHA guidelines is missing.          
275065321 XXX XXX XXX XXX Purchase Primary 6/XX/2020 TX $XXX Loan Review Complete 2022-08-09 18:32:08.000000 Asset Asset Documentation Credit Open   3 26435026 Asset documentation requirements not met.   Evidence of transfer of gift funds of $XXX as required by FHA guidelines is missing.          
275065321 XXX XXX XXX XXX Purchase Primary 6/XX/2020 TX $XXX Loan Review Complete 2022-08-09 18:32:08.000000 Compliance Federal Compliance Compliance Open   3 26435122 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Evidence of transfer of gift funds of $XXX as required by FHA guidelines is missing.          
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Income / Employment Income Documentation Credit Open   2 26439567 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2019 Missing vvoe dated within 10 business days of the Note date. The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/28): Exception re-grade to EV2. Compensating factor is sufficient.  
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Asset Asset Calculation / Analysis Credit Open   2 26439577 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.   The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/28): Exception re-grade to EV2. Compensating factor is sufficient.  
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Income / Employment Income Documentation Credit Open   2 26439976 Income documentation requirements not met.   Missing vvoe dated within 10 business days of the Note date. The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/28): Exception re-grade to EV2. Compensating factor is sufficient.  
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Income / Employment Income Documentation Credit Open   2 26439977 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2019 Missing vvoe from previous employment with XXX. The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/28): Exception re-grade to EV2. Compensating factor is sufficient.  
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Income / Employment Income Documentation Credit Open   2 26439978 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2019 Missing vvoe dated within 10 business days of the Note date. The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/28): Exception re-grade to EV2. Compensating factor is sufficient.  
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Compliance Federal Compliance Compliance Cleared 06/16/2023 1 26440359 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR).       (2023/XX/16): Loan designation was restated by client. Lender to provide updated ATR/QM status
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Compliance Federal Compliance Compliance Open   2 26440360 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. The initial escrow disclosure reflects monthly escrow that includes $XXX MI payment.          
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2022-08-08 16:26:26.000000 Compliance State Compliance Compliance Open   2 26440361 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 5.75621% or Final Disclosure APR of 5.78700% is equal to or greater than the threshold of APOR 3.03% + 1.5%, or 4.53000%.  Compliant Rate Spread Home Loan.         (2023/XX/16): EXCEPTION HISTORY - Exception Detail was updated on 06/XX/2023 PRIOR Exception Detail: North Carolina Rate Spread Home Loan: APR on subject loan of 5.75610% or Final Disclosure APR of 5.78700% is in excess of allowable threshold of APOR 3.03% + 1.5%, or 4.53000%.  Compliant Rate Spread Home Loan. Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread.  

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)   Within 120 days of discovery, provide:
(1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant;  (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.
275065322 XXX XXX XXX XXX Purchase Primary 1/XX/2022 NC $XXX Loan Review Complete 2023-06-16 11:51:04.000000 Compliance Federal Compliance Compliance Open   2 28615549 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). Loan designation was restated by client.         Lender to provide updated ATR/QM status
275065012 XXX XXX XXX XXX Purchase Primary 10/XX/1990 SC $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 26407417 (Doc Error) Initial GFE not provided              
275065013 XXX XXX XXX XXX Purchase Primary 7/XX/1998 SC $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26407457 Missing Document: Missing Final 1003             Provide missing documentation
275065013 XXX XXX XXX XXX Purchase Primary 7/XX/1998 SC $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26407459 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065028 XXX XXX XXX XXX Purchase Primary 1/XX/2004 IN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26408115 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065028 XXX XXX XXX XXX Purchase Primary 1/XX/2004 IN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26408116 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065032 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2004 NY $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26408339 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065032 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2004 NY $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 26408340 (Doc Error) Initial GFE not provided              
275065032 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2004 NY $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26408342 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2004           Provide missing documentation
275065038 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   3 26408780 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Material Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065038 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26408781 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065038 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26408782 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065038 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26408783 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065038 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26408784 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065040 XXX XXX XXX XXX Purchase Primary 3/XX/2006 PA $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Insurance Insurance Documentation Credit Open   1 26408834 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065049 XXX XXX XXX XXX Purchase Primary 3/XX/2007 VT $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26409228 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065049 XXX XXX XXX XXX Purchase Primary 3/XX/2007 VT $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26409229 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065049 XXX XXX XXX XXX Purchase Primary 3/XX/2007 VT $XXX Loan Review Complete 2022-03-29 09:47:13.000000 Insurance Insurance Documentation Credit Open   1 26409230 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275065050 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2007 MN $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26409236 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275065053 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance State Compliance Compliance Open   2 26409423 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065052 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 PA $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   1 26409424 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065060 XXX XXX XXX XXX Purchase Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26409857 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065063 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2009 IA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26410025 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065067 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 CA $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26410400 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26411284 Missing Document: Missing Final 1003             Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411285 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411286 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411287 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411288 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411289 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411290 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411291 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411292 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411293 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411294 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065073 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 TN $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26411295 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26411296 Missing Document: Missing Final 1003             Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Miscellaneous Compliance Compliance Open   2 26411297 (Doc Error) Initial GFE not provided              
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26411298 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26411299 Missing Document: Appraisal not provided             Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411300 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411301 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411302 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411303 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411304 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411305 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411306 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411307 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065074 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 PA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411308 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411400 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411401 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411402 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411403 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance State Compliance Compliance Open   2 26411404 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance State Compliance Compliance Open   2 26411405 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance State Compliance Compliance Open   2 26411406 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065075 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26411407 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065076 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411434 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275065076 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411435 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065076 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411436 RESPA (2010) -  Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.            
275065076 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411437 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065076 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2011 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411438 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   1 26411488 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411489 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411490 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411491 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411492 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411493 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411494 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance State Compliance Compliance Open   2 26411495 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application. Unable to determine due to missing initial application.          
275065077 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 WA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Guideline Guideline Issue Credit Open   3 26411496 Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: 12/XX/2012            
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411544 SAFE Act - Individual LO NMLS license status not approved Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.            
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411545 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411546 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411547 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411548 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26411549 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Closing / Title Compliance Open   2 26411550 (Doc Error) TIL Error: Borrower signature not dated.              
275065078 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2013 VA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26411551 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2013           Provide missing documentation
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26412075 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2014           Provide missing documentation
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   1 26412076 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412077 SAFE Act - Individual LO NMLS license status not approved Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.            
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412078 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412079 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412080 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412081 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412082 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065083 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 MO $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412083 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26412222 Missing Document: Missing Final 1003             Provide missing documentation
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412223 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412224 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412225 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Closing / Title Compliance Open   2 26412226 (Doc Error) TIL Error: Borrower signature not dated.              
275065095 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2004 NJ $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26412228 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412585 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412586 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412587 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412588 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412589 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412590 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412591 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412592 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412593 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065098 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412594 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065099 XXX XXX XXX XXX Purchase Primary 2/XX/2012 FL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412580 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065099 XXX XXX XXX XXX Purchase Primary 2/XX/2012 FL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412581 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275065099 XXX XXX XXX XXX Purchase Primary 2/XX/2012 FL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412582 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065099 XXX XXX XXX XXX Purchase Primary 2/XX/2012 FL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412583 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275065099 XXX XXX XXX XXX Purchase Primary 2/XX/2012 FL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Miscellaneous Compliance Compliance Open   2 26412584 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26412674 Missing Document: Missing Final 1003             Provide missing documentation
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412675 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412676 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412677 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412678 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412679 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412680 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412681 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412682 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412683 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412684 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412685 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412686 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412687 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Miscellaneous Compliance Compliance Open   2 26412688 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275065100 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26412689 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412715 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412716 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412717 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412718 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412719 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412720 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412721 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065101 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26412722 (TX50(a)(6)) Texas Cash-out Loan  (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:21:04.000000 Credit Credit Documentation Credit Open   3 26412948 Missing Document: Credit Report not provided             Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:25:52.000000 Loan Package Documentation Application / Processing Credit Open   1 26412949 Missing Document: Missing Final 1003             Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412950 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412951 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2011 used as disbursement date for compliance testing.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   3 26412952 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412953 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2011 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 08/XX/2010.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412954 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412955 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412956 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412957 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:35:46.000000 Compliance Federal Compliance Compliance Open   2 26412958 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:36:39.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26412959 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:41:17.000000 Compliance Miscellaneous Compliance Compliance Open   2 26412960 (Doc Error) Initial GFE not provided              
275065004 XXX XXX XXX XXX Refinance UTD Primary 2/XX/2011 OR $XXX Loan Review Complete 2019-02-22 14:43:27.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26412961 Missing Document: Appraisal not provided             Provide missing documentation
275065009 XXX XXX XXX XXX Purchase Primary 5/XX/2007 LA $XXX Loan Review Complete 2020-01-23 15:44:23.000000 Compliance Federal Compliance Compliance Open   2 26413393 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065009 XXX XXX XXX XXX Purchase Primary 5/XX/2007 LA $XXX Loan Review Complete 2020-01-24 22:19:58.000000 Credit Credit Documentation Credit Open   3 26413394 Missing Document: Credit Report not provided             Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:07:16.000000 Loan Package Documentation Application / Processing Credit Open   1 26413457 Missing Document: Missing Final 1003             Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:36:41.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26413458 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:43:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 26413459 (Doc Error) Initial GFE not provided              
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:44:06.000000 Compliance Miscellaneous Compliance Compliance Open   2 26413460 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Open   2 26413461 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Open   3 26413462 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Open   2 26413463 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Cleared 06/17/2020 1 26413464 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.         (2020/XX/17): Cleared after sXXXequent review.  
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Open   2 26413465 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-26 12:58:32.000000 Compliance Federal Compliance Compliance Open   2 26413466 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065022 XXX XXX XXX XXX Refinance UTD UTD 2/XX/2003 AZ $XXX Loan Review Complete 2020-03-30 08:51:55.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26413467 Missing Document: Appraisal not provided             Provide missing documentation
275065007 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2002 NC $XXX Loan Review Complete 2020-04-28 20:41:54.000000 Compliance Federal Compliance Compliance Open   2 26413992 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065007 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2002 NC $XXX Loan Review Complete 2020-04-28 20:42:25.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26413993 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065007 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2002 NC $XXX Loan Review Complete 2020-04-28 20:42:40.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26413994 Missing Document: Appraisal not provided             Provide missing documentation
275065010 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 SC $XXX Loan Review Complete 2020-03-26 08:12:16.000000 Compliance Federal Compliance Compliance Open   1 26414466 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065010 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 SC $XXX Loan Review Complete 2020-03-26 08:12:54.000000 Compliance State Compliance Compliance Open   2 26414467 South Carolina CHL Complaint Agency Disclosure Timing Test South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Loan Package Documentation Application / Processing Credit Open   3 26414613 Missing Document: Fraud Report not provided   The file is missing a copy of the required fraud report including all interested parties to the transaction.         Provide missing documentation
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Compliance Federal Compliance Compliance Open   2 26414616 TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. Loan originator record not found in NMLS database.          
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Compliance Federal Compliance Compliance Open   2 26414617 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Saturdays are included in lender's calculation.          
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Compliance Federal Compliance Compliance Open   2 26414618 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Compliance Federal Compliance Compliance Open   2 26414619 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. Per title commitment, new lender is prior originating lender.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065085 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 IN $XXX Loan Review Complete 2022-03-02 16:16:14.000000 Compliance Federal Compliance Compliance Open   2 26414620 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065087 XXX XXX XXX XXX Purchase Primary 6/XX/2014 IL $XXX Loan Review Complete 2022-03-02 17:05:15.000000 Loan Package Documentation Application / Processing Credit Open   1 26414733 Missing Document: Flood Certificate not provided             Provide missing documentation
275065087 XXX XXX XXX XXX Purchase Primary 6/XX/2014 IL $XXX Loan Review Complete 2022-03-02 17:05:15.000000 Loan Package Documentation Application / Processing Credit Open   3 26414734 Missing Document: Fraud Report not provided             Provide missing documentation
275065087 XXX XXX XXX XXX Purchase Primary 6/XX/2014 IL $XXX Loan Review Complete 2022-03-02 17:05:15.000000 Compliance Federal Compliance Compliance Open   2 26414735 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275065103 XXX XXX XXX XXX Purchase Second Home 7/XX/2017 HI $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Compliance Federal Compliance Compliance Open   2 26415782 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List of Homeownership Counseling Organization was provided on 6/XX/2017          
275065103 XXX XXX XXX XXX Purchase Second Home 7/XX/2017 HI $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26415787 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2017                 
Disaster End Date: 08/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 05/XX/2018		            
275065103 XXX XXX XXX XXX Purchase Second Home 7/XX/2017 HI $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Compliance Federal Compliance Compliance Open   2 26415788 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.         Provide missing documentation
275065103 XXX XXX XXX XXX Purchase Second Home 7/XX/2017 HI $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Compliance Federal Compliance Compliance Open   2 26415789 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Affiliated Business Disclosure provided on 6/XX/2017 is unsigned.          
275065106 XXX XXX XXX XXX Purchase Primary 11/XX/2017 IL $XXX Loan Review Complete 2022-03-07 22:04:40.000000 Compliance Federal Compliance Compliance Open   2 26415913 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) A cure was not disclosed and evidence that a valid COC was provided to the Borrower is missing.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065106 XXX XXX XXX XXX Purchase Primary 11/XX/2017 IL $XXX Loan Review Complete 2022-03-07 22:04:40.000000 Insurance Insurance Analysis Credit Open   3 26415915 The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date 11/XX/2018, Note Date 11/XX/2017            
275065106 XXX XXX XXX XXX Purchase Primary 11/XX/2017 IL $XXX Loan Review Complete 2022-03-07 22:04:40.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 26415916 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Loan Package Documentation Application / Processing Credit Open   1 26416153 Missing Document: Flood Certificate not provided             Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Loan Package Documentation Application / Processing Credit Open   3 26416154 Missing Document: Divorce Decree / Child Support not provided             Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Missing Document General Credit Open   3 26416155 Missing Document: Account Statements - Personal not provided             Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Loan Package Documentation Application / Processing Credit Open   3 26416156 Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Final 1003 shows vesting as single - Lender to provide QCD.         Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416157 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages)            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416158 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages)            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416159 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416160 Income Data was not provided Income Source and Qualifying Monthly Income Amount are required. (XXX Walgreens/Wages)            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416161 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416162 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416163 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416164 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416165 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416166 TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 10/XX/2018 not accurate. (Final/10/XX/2018)           Letter of Explanation & Corrected Closing Disclosure
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416167 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416168 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/9904229) No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416169 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. No evidence provided that borrower received a copy of the Appraisal.         Good faith redisclosure
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416170 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416171 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416172 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416173 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416175 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. Due Diligence Loan Designation of ATR Fail due to missing income documents         Lender to provide updated ATR/QM status
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   3 26416176 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416177 TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 10/XX/2018 did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/10/XX/2018) Verified that information is missing from the Final CD.         Letter of Explanation & Corrected Closing Disclosure
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416179 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2018) No earlier CD's provided.         No Defined Cure
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416180 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. No Loan Estimate provided.         No Defined Cure
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26416181 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of  is less than AUS qualifying asset balance of $XXX. No Verification of Assets provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416182 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2018 No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416183 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2010 No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416184 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2016 No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416185 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2016 No Verification of Income or Income Documentation provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416186 Income Docs Missing: Borrower: XXX 4506-T (2016), 4506-T (2017), PaystXXX, VVOE - Employment Only, WVOE - Includes Income           Provide missing documentation
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Guideline Guideline Issue Credit Open   3 26416187 Employment was not verified within 10 days of the note date. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2018            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Income / Employment Income Documentation Credit Open   3 26416188 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2018            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26416189 AUS/Guideline Findings: All conditions were not met   Income, Employment, and Asset documentation required by AUS were not provided.          
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Asset Asset Calculation / Analysis Credit Open   3 26416190 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.            
275065108 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2018 UT $XXX Loan Review Complete 2022-03-04 17:56:06.000000 Compliance Federal Compliance Compliance Open   2 26416191 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2018)            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26449891 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 08/XX/2017
Disaster End Date:  06/XX/2017		            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Property - Appraisal Appraisal Documentation Property Open   3 26449898 Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 Note Date:  09/XX/2020; Lien Position: 1           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Property - Appraisal Appraisal Documentation Property Open   3 26449900 Loan is to be securitized. Appraisal is missing. Sec ID: 1 Note Date:  09/XX/2020; Lien Position: 1           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26450005 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Compliance Open   1 26450013 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26450016 Missing Document: Approval not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Credit Credit Documentation Credit Open   3 26450021 Missing Document: Credit Report not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26450022 Missing Document: Divorce Decree / Child Support not provided   Child Support/Alimony is reflected on the 1003, but a Divorce Decree or Child Support order is missing.         Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   1 26450024 Missing Document: Flood Certificate not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26450026 Missing Document: Fraud Report not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Loan File Credit Open   3 26450028 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26450035 Missing Document: Purchase Agreement / Sales Contract not provided             Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Credit Credit Documentation Credit Open   3 26450782 Purchase contract date not provided.              
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Credit Credit Documentation Credit Open   3 26450790 The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.              
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Asset Asset Calculation / Analysis Credit Open   3 26450872 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456019 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages)            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456021 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages)            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456022 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456023 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.55500% or Final Disclosure APR of 8.56500% is in excess of allowable threshold of APOR 2.97% + 1.5%, or 4.47000%.  Non-Compliant Higher Priced Mortgage Loan.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456024 TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456025 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) Unable to determine compliance with timely delivery of valuation to borrower due to missing information.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456026 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456027 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456028 Appraisal Flipped Property Missing Information Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456029 Income Data was not provided Income Source and Qualifying Monthly Income Amount are required. (XXX East Bay Storage/Wages)            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456030 Unknown Loan Designation Test Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM.  Due Diligence Loan Designation is ATR Fail. Evidence of the Originator Loan Designation is missing.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456031 TILA NMLSR - Missing NMLS Information on 1003 Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on loan application.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456032 TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website Unable to test Loan Originator Organization match due to missing information.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456033 TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456034 Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information.            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456035 TILA NMLSR - Missing NMLS Information on Security Instrument Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on Security Instrument.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456036 TILA NMLSR - Missing NMLS Information on Note Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on Note.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456037 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.         Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456039 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/11185595) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456040 QM Required Credit Report Not Provided to Evidence Debts Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/11185596) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456041 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456042 TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 08/XX/2020 not accurate. (Final/08/XX/2020)           Letter of Explanation & Corrected Closing Disclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456101 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456102 TRID Appraisal Disclosure - HPML Status HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456103 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456104 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456105 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456106 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456107 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456108 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 44.21826%, LTV/CLTV: 96.82805%/96.82805%, Credit Score: , Occupancy: Primary, Purpose: Purchase, Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   3 26456110 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456112 TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/XX/2020 did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/08/XX/2020) No NMLS Listed.         Letter of Explanation & Corrected Closing Disclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456147 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/11185596) Missing an Approval, income, asset and liability verification and the loan is water falling to ATR/QM standard documentation requirements.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456148 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 08/XX/2020 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/08/XX/2020) Only final CD was provided and it did not disclose and seller paid fees.         Letter of Explanation & Corrected Closing Disclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456149 TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether property taxes are included in escrow. (Final/08/XX/2020) The  Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether property taxes are included in escrow         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456150 TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2020) The  Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether property taxes are included in escrow         Letter of Explanation & Corrected Closing Disclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456151 TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2020) The  Final Closing Disclosure provided on 08/XX/2020 incorrectly disclosed whether property taxes are included in escrow         Letter of Explanation & Corrected Closing Disclosure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26456152 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. No Cure provided to borrower.         No Defined Cure
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26456188 AUS/Guideline Findings: All conditions were not met   Unable to verify income with missing 2 yr work history, unable tp verify credit/fraud report due to missing also missing appraisal.          
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Insurance Insurance Analysis Credit Open   3 26456225 Insufficient Coverage: Hazard insurance coverage amount is insufficient.              
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Guideline Guideline Issue Credit Open   3 26456276 Borrower has been on current job less than 2 years, and prior employment history was not documented as required. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2020            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Income / Employment Income Documentation Credit Open   3 26456277 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2011            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Income / Employment Income Documentation Credit Open   3 26456278 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2020            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Income / Employment Income Documentation Credit Open   3 26456279 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2019            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Income / Employment Income Documentation Credit Open   3 26456280 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2011            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Income / Employment Income Documentation Credit Open   3 26456281 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2011            
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26472897 Missing Document: Appraisal not provided   An Appraisal or evidence of PIW is missing.         Provide missing documentation
275065325 XXX XXX XXX XXX Purchase Primary 9/XX/2020 MI $XXX Loan Review Complete 2022-08-10 16:22:05.000000 Compliance Federal Compliance Compliance Open   2 26472960 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/(report date unknown))            
275065324 XXX XXX XXX XXX Purchase Primary 7/XX/2004 OK $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Loan Package Documentation Application / Processing Credit Open   1 26560467 Missing Document: Missing Final 1003             Provide missing documentation
275065324 XXX XXX XXX XXX Purchase Primary 7/XX/2004 OK $XXX Loan Review Complete 2020-05-20 06:58:07.000000 Compliance Federal Compliance Compliance Open   2 26560468 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065323 XXX XXX XXX XXX Purchase Primary 3/XX/2007 MI $XXX Loan Review Complete 2021-07-30 15:36:09.000000 Compliance Federal Compliance Compliance Open   2 26560777 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Loan Package Documentation Application / Processing Credit Open   1 26560985 Missing Document: Missing Final 1003             Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Loan Package Documentation Application / Processing Credit Open   1 26560986 Missing Document: Flood Certificate not provided             Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26560987 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 26560988 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Miscellaneous Compliance Compliance Open   2 26560989 (Doc Error) Initial GFE not provided              
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560990 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560991 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   3 26560992 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560993 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560994 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance State Compliance Compliance Open   2 26560995 Michigan Prepayment Penalty Michigan Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560996 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560997 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560998 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065326 XXX XXX XXX XXX UTD UTD UTD 1/XX/2002 MI $XXX Loan Review Complete 2022-04-13 17:36:49.000000 Compliance Federal Compliance Compliance Open   2 26560999 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723099 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723100 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723101 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723102 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723103 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723104 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723105 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723106 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723107 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723108 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723109 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723110 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723111 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723112 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723113 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26723114 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2012           Provide missing documentation
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723115 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723116 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723117 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275063783 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 2021-01-14 07:41:18.000000 Compliance Federal Compliance Compliance Open   2 26723118 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275063772 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2007 MD $XXX Loan Review Complete 2020-11-13 09:10:50.000000 Compliance Federal Compliance Compliance Open   2 26723098 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063844 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2008 NY $XXX Loan Review Complete 2016-08-13 14:18:14.000000 Compliance Federal Compliance Compliance Open   2 26723157 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063845 XXX XXX XXX XXX Purchase Primary 4/XX/2007 NY $XXX Loan Review Complete 2017-11-17 13:12:10.000000 Compliance Federal Compliance Compliance Open   2 26723162 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064121 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 ID $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26723382 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2006.           Provide missing documentation
275064121 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 ID $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance Federal Compliance Compliance Open   2 26723383 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064121 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 ID $XXX Loan Review Complete 2019-06-25 21:27:59.000000 Compliance State Compliance Compliance Open   2 26723384 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064309 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MD $XXX Loan Review Complete 2019-04-30 06:41:36.000000 Compliance Federal Compliance Compliance Open   2 26723548 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275064654 XXX XXX XXX XXX Purchase Primary 2/XX/2003 TX $XXX Loan Review Complete 2019-07-19 12:27:24.000000 Loan Package Documentation Application / Processing Credit Open   1 26723767 Missing Document: Missing Final 1003             Provide missing documentation
275064654 XXX XXX XXX XXX Purchase Primary 2/XX/2003 TX $XXX Loan Review Complete 2019-07-19 12:27:24.000000 Compliance Federal Compliance Compliance Open   2 26723768 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2002.           Provide missing documentation
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724413 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724414 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724415 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724416 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724417 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064856 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 WV $XXX Loan Review Complete 2019-05-12 16:45:47.000000 Compliance Federal Compliance Compliance Open   2 26724418 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Loan Package Documentation Application / Processing Credit Open   1 26724400 Missing Document: Missing Final 1003             Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26724401 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26724402 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724403 TILA HELOC - Billing Rights Disclosure Missing  Unable to test billing rights due to missing information.           Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724404 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724405 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724406 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724407 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2007.           Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724408 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724409 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance State Compliance Compliance Open   2 26724410 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance State Compliance Compliance Open   2 26724411 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
275064901 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 2019-04-05 06:58:57.000000 Compliance Federal Compliance Compliance Open   2 26724412 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064862 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 CT $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance State Compliance Compliance Open   2 26724641 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064862 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2005 CT $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724642 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 HI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724885 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 HI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724886 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 HI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724887 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 HI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724888 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064867 XXX XXX XXX XXX Purchase Primary 3/XX/2007 HI $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26724889 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Loan Package Documentation Government Documentation Credit Open   3 26724953 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Loan Package Documentation Government Documentation Credit Open   3 26724954 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Miscellaneous Compliance Compliance Open   2 26724955 (Doc Error) Initial GFE not provided              
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26724956 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   1 26724957 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 26724958 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 26724959 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Disclosure Missing Document Credit Open   3 26724960 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275064859 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2009 CT $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 26724961 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26724980 Missing Document: Missing Final 1003             Provide missing documentation
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Miscellaneous Compliance Compliance Open   2 26724981 (Doc Error) Initial GFE not provided              
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Document Error General Credit Open   3 26724982 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Loan Package Documentation Government Documentation Credit Open   3 26724983 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Loan Package Documentation Government Documentation Credit Open   3 26724984 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 26724985 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064869 XXX XXX XXX XXX Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 2022-05-16 07:54:21.000000 Compliance Federal Compliance Compliance Open   2 26724986 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064997 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2003 FL $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725682 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064923 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 OH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725744 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064923 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 OH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725745 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064923 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 OH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 26725746 Missing Document: Missing Final 1003             Provide missing documentation
275064963 XXX XXX XXX XXX Purchase Primary 6/XX/2004 NH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 26725822 (Doc Error) Initial GFE not provided              
275064963 XXX XXX XXX XXX Purchase Primary 6/XX/2004 NH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725823 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064963 XXX XXX XXX XXX Purchase Primary 6/XX/2004 NH $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 26725824 New Hampshire Prepayment Penalty First Lien New Hampshire Prepayment Penalty:  Prepayment penalty terms on a first lien loan not printed in bold on the Note or Note Addendum.            
275064979 XXX XXX XXX XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725857 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064979 XXX XXX XXX XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725858 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064979 XXX XXX XXX XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725859 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064984 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Miscellaneous Compliance Compliance Open   2 26725873 (Doc Error) Initial GFE not provided              
275064984 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   3 26725874 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064984 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725875 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064984 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IA $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26725876 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064989 XXX XXX XXX XXX Purchase Primary 8/XX/2003 NJ $XXX Loan Review Complete 2019-08-14 04:21:31.000000 Compliance Federal Compliance Compliance Open   2 26726013 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing the TIL itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064928 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 2019-05-31 15:40:47.000000 Compliance Miscellaneous Compliance Compliance Open   2 26726200 (Doc Error) Initial GFE not provided              
275064917 XXX XXX XXX XXX Purchase Primary 2/XX/2006 NJ $XXX Loan Review Complete 2019-09-04 13:55:38.000000 Loan Package Documentation Application / Processing Credit Open   1 26726386 Missing Document: Missing Final 1003             Provide missing documentation
275064917 XXX XXX XXX XXX Purchase Primary 2/XX/2006 NJ $XXX Loan Review Complete 2019-09-04 13:55:38.000000 Compliance Federal Compliance Compliance Open   2 26726387 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064987 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Loan Package Documentation Application / Processing Credit Open   1 26726523 Missing Document: Missing Final 1003             Provide missing documentation
275064987 XXX XXX XXX XXX Refinance Cash-out - Other Investment 3/XX/2004 TX $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26726524 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065151 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 MA $XXX Loan Review Complete 2017-10-10 22:43:27.000000 Loan Package Documentation Application / Processing Credit Open   1 26726717 Missing Document: Missing Final 1003             Provide missing documentation
275065151 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 MA $XXX Loan Review Complete 2017-10-10 22:43:27.000000 Compliance State Compliance Compliance Open   2 26726719 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275065014 XXX XXX XXX XXX Purchase Primary 5/XX/2000 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Loan Package Documentation Application / Processing Credit Open   1 26727142 Missing Document: Missing Final 1003             Provide missing documentation
275065015 XXX XXX XXX XXX Purchase Primary 5/XX/2002 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Miscellaneous Compliance Compliance Open   2 26727159 (Doc Error) Initial GFE not provided              
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26727421 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance State Compliance Compliance Open   2 26727422 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act:  Borrower Bill of Rights disclosure not provided to borrower.            
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance State Compliance Compliance Open   2 26727423 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act:  Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance State Compliance Compliance Open   2 26727424 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26727425 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26727426 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065037 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 MI $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 26727427 (Doc Error) Initial GFE not provided              
275065047 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 MA $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26727594 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275065054 XXX XXX XXX XXX Purchase Primary 10/XX/2007 IA $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26727771 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065054 XXX XXX XXX XXX Purchase Primary 10/XX/2007 IA $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26727772 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26728088 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26728089 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065062 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26728090 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065046 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 2018-01-25 17:27:47.000000 Loan Package Documentation Application / Processing Credit Open   1 26729246 Missing Document: Missing Final 1003             Provide missing documentation
275065046 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 2018-01-25 17:40:21.000000 Compliance Federal Compliance Compliance Open   2 26729247 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2006.           Provide missing documentation
275065008 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 2020-02-03 11:26:49.000000 Loan Package Documentation Application / Processing Credit Open   1 26729565 Missing Document: Missing Final 1003             Provide missing documentation
275065008 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 2020-02-03 12:00:23.000000 Compliance Federal Compliance Compliance Open   2 26729566 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065008 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 2020-02-03 12:00:23.000000 Compliance Federal Compliance Compliance Open   2 26729567 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065045 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 2021-03-30 16:06:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26729999 Missing Document: Missing Final 1003             Provide missing documentation
275065045 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 2021-03-30 16:37:42.000000 Compliance Federal Compliance Compliance Open   2 26730000 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065045 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 2021-03-30 16:37:42.000000 Compliance Federal Compliance Compliance Open   2 26730001 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065045 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 2021-03-30 16:38:57.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26730002 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065045 XXX XXX XXX XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 2021-03-30 16:41:27.000000 Compliance Miscellaneous Compliance Compliance Open   2 26730003 (Doc Error) Initial GFE not provided              
275065011 XXX XXX XXX XXX Purchase Primary 6/XX/2004 RI $XXX Loan Review Complete 2019-06-15 18:53:54.000000 Compliance Federal Compliance Compliance Open   2 26730070 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065011 XXX XXX XXX XXX Purchase Primary 6/XX/2004 RI $XXX Loan Review Complete 2019-06-15 18:53:54.000000 Compliance Federal Compliance Compliance Open   2 26730071 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064886 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2019 MI $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Open   1 26730408 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2019                 
Disaster End Date: 06/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 07/XX/2021		            
275064886 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2019 MI $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Loan Package Documentation Application / Processing Credit Open   3 26730409 Missing Document: Fraud Report not provided             Provide missing documentation
275064886 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2019 MI $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance State Compliance Compliance Open   2 26730410 Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.            
275064886 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2019 MI $XXX Loan Review Complete 2022-05-12 13:38:50.000000 Compliance Federal Compliance Compliance Open   2 26730411 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2019). (Final/05/XX/2019) Final CD reflects finance charge $XXX which does not match calculated finance charge of $XXXX   (2022/XX/30): The issue cited has either been resolved or was determined to not be an exception as noted. According to Regulation Z of the Federal Truth in Lending Act, a lender credit that is not used to cure a fee tolerance overage can be used to offset prepaid finance charges to reduce them as low as zero.  Please note that any excess lender credit is not used in any of the Loan Calculations. Therefore, the lender credit of $XXX is allowed per TILA to offset the prepaid finance charges and should not be included in the total finance charge. Supporting documentation uploaded as #XXX XXX_Compliance Documents_5/XX/2022.   (2022/XX/31): An itemization of fees to which the lump sum lender credit were applied is required. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064886 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2019 MI $XXX Loan Review Complete 2022-05-31 13:53:29.000000 Compliance Federal Compliance Compliance Open   2 26730412 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7579) After further review, the exception is cleared.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064885 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2019 FL $XXX Loan Review Complete 2022-05-26 19:01:36.000000 Title Lien Credit Open   3 26730469 Missing evidence of lien position on Other Financing. Lien Position: 2           Provide missing documentation
275064885 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2019 FL $XXX Loan Review Complete 2022-05-26 19:01:36.000000 Loan Package Documentation Application / Processing Credit Open   1 26730470 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2018                 
Disaster End Date: 07/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2021		            
275064885 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2019 FL $XXX Loan Review Complete 2022-05-26 19:01:36.000000 Loan Package Documentation Application / Processing Credit Open   3 26730471 Missing Document: Fraud Report not provided             Provide missing documentation
275064885 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2019 FL $XXX Loan Review Complete 2022-05-26 19:01:36.000000 Compliance Federal Compliance Compliance Open   2 26730473 Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.           Provide missing documentation
275064995 XXX XXX XXX XXX Purchase Investment 1/XX/2019 NY $XXX Loan Review Complete 2019-01-14 15:38:49.000000 Insurance Insurance Analysis Credit Cleared 01/22/2019 1 26730792 Insurance address does not match Note address.   Insurance policy address for subject differs from Note.  Address on insurance binder is hyphenated as XXX, and Note is XXX       (2019/XX/22): Updated Insurance provided clearing exception  
275064995 XXX XXX XXX XXX Purchase Investment 1/XX/2019 NY $XXX Loan Review Complete 2019-01-14 15:38:49.000000 System General Credit Cleared 01/22/2019 1 26730793 Flood Certificate Subject Address does not match Note address.   Address on Flood Cert XXX does not match the Note.  The Note does not have the verbiage XXX.       (2019/XX/22): Updated Flood Cert  provided clearing exception  
275064995 XXX XXX XXX XXX Purchase Investment 1/XX/2019 NY $XXX Loan Review Complete 2019-01-14 15:38:49.000000 Compliance Federal Compliance Compliance Open   2 26730794 FNMA Points and Fees FNMA Points and Fees on subject loan of 8.70231% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2019). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or 3.70231%).            
275065093 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2016 NY $XXX Loan Review Complete 2022-03-04 17:38:41.000000 Credit Credit Documentation Credit Open   3 26731364 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275065093 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2016 NY $XXX Loan Review Complete 2022-03-04 17:38:41.000000 Compliance Federal Compliance Compliance Open   3 26731365 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Loan failed HARP requirements, Waterfall to ATR/QM requirements         Provide missing documentation
275065093 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2016 NY $XXX Loan Review Complete 2022-03-04 17:38:41.000000 Compliance Federal Compliance Compliance Open   3 26731366 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Loan failed HARP requirements, Waterfall to ATR/QM requirements         Lender to provide updated ATR/QM status
275065093 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2016 NY $XXX Loan Review Complete 2022-03-04 17:38:41.000000 Compliance Federal Compliance Compliance Open   3 26731367 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.60351% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2016). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2016) (an overage of $XXX or 3.60351%). Points and Fees on subject loan reflects an overage of $XXX or 3.60351%. Note, the compliance report in the file additionally reflected a failure for the points and fees test.         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275065093 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2016 NY $XXX Loan Review Complete 2022-03-04 17:38:41.000000 Compliance Federal Compliance Compliance Open   2 26731368 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 06/XX/2016 not accurate. (Final/06/XX/2016) The loan has no HOA dues. Page 1 of the CD reflects that "some" taxes are included in escrow, however, page 2 reflects all taxes are included. It appears the lender duplicated the taxes in error as the amount of "other" fees in the PITIA equals the school and city taxes that were already accounted for in the escrowed costs. Non-escrowed costs was NA on this loan.         Letter of Explanation & Corrected Closing Disclosure
275065105 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2017 NJ $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Loan Package Documentation Application / Processing Credit Open   3 26731681 Missing Document: Fraud Report not provided             Provide missing documentation
275065105 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2017 NJ $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Insurance Insurance Documentation Credit Open   1 26731682 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064322 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 11/XX/2018 TX $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Insurance Insurance Analysis Credit Open   3 26777392 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $XXX.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.          
275064322 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 11/XX/2018 TX $XXX Loan Review Complete 2021-10-12 17:04:46.000000 Compliance Federal Compliance Compliance Cured 10/08/2021 1 26777394 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Valid per final CD provided       (2021/XX/08): Sufficient Cure Provided At Closing Final CD evidences Cure
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   3 26777420 Missing Document: AUS not provided   File is missing final AUS/guidelines; final 1008 and final approval were used for review.         Provide missing documentation
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777421 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2014) No evidence of receipt of appraisal in file.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777422 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Doc 201 is a signed Right to receive appraisal dated 9/XX/14.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777423 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) There are no docs to verify employment or income for co-borrower XXX.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777424 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) There are no docs to verify employment or income for co-borrower XXX.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777425 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information. Doc 338 settlement service provider was signed by borrowers on 9/11.         Provide missing documentation
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   1 26777426 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2014                 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		 Provide a post-disaster inspection verifying that there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after the 11/XX/2017 declared end date.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26777427 AUS/Guideline Findings: All conditions were not met   File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 26777428 Income Docs Missing: Borrower: XXX VVOE - Employment Only, WVOE - Includes Income There are no income verification documents in file for the co-borrower.         Provide missing documentation
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Property - Appraisal Appraisal Data Integrity Property Open   3 26777429 Square feet on the Appraisal does not match the square feet on the BPO. Valuation Type: BPO / Valuation Report Date: 02/XX/2022 Square footages do not match. Appraisal lists 2,540  BPO lists 2,514.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Asset Asset Documentation Credit Open   3 26777430 Guideline Issue:Insufficient asset documentation. Financial Institution: XXX // Account Type: Checking / Account Number: XXX, Financial Institution: XXX // Account Type: Savings / Account Number: XXX There is only one monthly statement for each of the assets.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Income / Employment Income Documentation Credit Open   3 26777431 REO Documents are missing. Address: XXX, Address: No XXX, Insurance Verification, Statement, Tax Verification
Insurance Verification, Statement, Tax Verification		 Missing all documents on the 2 properties in China (statement, tax, lease if applicable and insurance).         Provide missing documentation
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777432 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. File is missing final AUS. Used 1008 and lender approval for review.         Provide missing documentation
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777433 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 19.89887%, LTV/CLTV: 70.00000%/70.00000%, Credit Score: 0, Occupancy: Second Home, Purpose: Purchase, File is missing final AUS. Used 1008 and lender approval for review.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777435 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided. Provide COC to explain tolerance violation and refund check if applicable.         Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777436 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever"  P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan. Inputs match the final signed TIL doc 270.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777437 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan. Inputs match the final signed TIL doc 270.          
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777438 Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Failure due to missing guidelines         Lender to provide updated ATR/QM status
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777439 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate Truth in Lending Act (MDIA 2011):  The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan.            
275064204 XXX XXX XXX XXX Purchase Second Home 10/XX/2014 CA $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Miscellaneous Compliance Compliance Open   2 26777440 (Doc Error) GFE Error: Changed Circumstance not provided. GFE Date: 09/XX/2014 Changed Circumstance not provided for GFE dated 09/XX/2014 from GFE dated 09/XX/2014            
275064366 XXX XXX XXX XXX Purchase Primary 8/XX/2016 TN $XXX Loan Review Complete 2021-12-01 15:45:13.000000 Loan Package Documentation Application / Processing Credit Open   1 26777521 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2016                 
Disaster End Date: 04/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 05/XX/2021		            
275064370 XXX XXX XXX XXX Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 2021-12-17 17:34:25.000000 Compliance Federal Compliance Compliance Open   2 26777473 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) Verification that the appraisal was delivered to the borrower was missing from the file.          
275064370 XXX XXX XXX XXX Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 2021-12-17 17:34:25.000000 Compliance Federal Compliance Compliance Open   2 26777474 TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/08/XX/2017) LE dated 8/XX/2017 was e-signed on 8/XX/2017 with a note date of 08/XX/2017 . Timing requirements have not been met.         No Defined Cure
275064370 XXX XXX XXX XXX Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 2021-12-17 17:34:25.000000 Compliance Federal Compliance Compliance Open   2 26777475 TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/08/XX/2017) LE dated 8/XX/2017 was e-signed 8/XX/2017. The initial CD was also issued and received the same day, 8/XX/2017.         No Defined Cure
275064370 XXX XXX XXX XXX Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 2021-12-17 17:34:25.000000 Compliance Federal Compliance Compliance Open   2 26777477 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/07/XX/2017) E-consent was missing from the file. Lender to provide proof of e-consent within 3 days of the initial application[ADDRBACKSTOP], OR proof of disclosure sent to borrower using another method within 3 days of application          
275064370 XXX XXX XXX XXX Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 2021-12-17 17:34:25.000000 Compliance Federal Compliance Compliance Cured 12/14/2021 1 26777478 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (7520)         (2021/XX/14): Sufficient Cure Provided At Closing Final CD evidences Cure
275064365 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CO $XXX Loan Review Complete 2021-11-17 20:03:21.000000 Compliance Federal Compliance Compliance Open   2 26777526 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. No evidence of affiliated business arrangement  list provided in file.         Provide missing documentation
275064365 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2016 CO $XXX Loan Review Complete 2021-11-17 20:03:21.000000 Compliance Federal Compliance Compliance Open   2 26777528 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on 03/XX/2016 not accurate. (Final/03/XX/2016) A $XXX HOA dues were not disclosed on the Final CD.         Letter of Explanation & Corrected Closing Disclosure
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Loan Package Documentation Application / Processing Credit Open   1 26777533 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2014                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26777534 AUS/Guideline Findings: All conditions were not met   Guidelines not provided.          
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777535 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp)            
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   2 26777536 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2014)            
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777537 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.           Provide missing documentation
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Miscellaneous Compliance Compliance Open   2 26777538 (Doc Error) GFE Error: Changed Circumstance not provided. GFE Date: 08/XX/2014 Changed Circumstance not provided for GFE dated 08/XX/2014 from GFE dated 07/XX/2014            
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777539 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 18.97993%, LTV/CLTV: 58.95197%/58.95197%, Credit Score: 693, Occupancy: Primary, Purpose: Purchase, Guidelines not provided          
275064203 XXX XXX XXX XXX Purchase Primary 10/XX/2014 NY $XXX Loan Review Complete 2022-05-25 10:46:06.000000 Compliance Federal Compliance Compliance Open   3 26777540 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Due to missing guidelines.         Lender to provide updated ATR/QM status
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Loan Package Documentation Application / Processing Credit Open   3 26777582 Missing Document: Fraud Report not provided             Provide missing documentation
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26777583 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2014                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   3 26777584 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership)            
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   2 26777585 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2014)            
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   2 26777586 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Affiliated business arrangement in file signed at closing.          
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   3 26777587 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Caused by missing income documentation.         Lender to provide updated ATR/QM status
275064878 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2015 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 26777588 AUS Findings: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 31.27019% exceeds AUS housing ratio of 31.27000%. Calculated investor qualifying housing ratio of 31.27019% exceeds AUS housing ratio of 31.27000%.          
275064883 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 CA $XXX Loan Review Complete 2022-05-10 14:20:57.000000 Loan Package Documentation Application / Processing Credit Open   3 26777607 Missing Document: Fraud Report not provided             Provide missing documentation
275064883 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 CA $XXX Loan Review Complete 2022-05-10 14:20:57.000000 Compliance Federal Compliance Compliance Open   2 26777608 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017)            
275064883 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2017 CA $XXX Loan Review Complete 2022-05-10 14:20:57.000000 Compliance Federal Compliance Compliance Open   2 26777609 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 03/XX/2017). (Final/03/XX/2017) Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Loan Package Documentation Application / Processing Credit Open   3 26777600 Missing Document: Fraud Report not provided             Provide missing documentation
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26777601 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2016                 
Disaster End Date: 09/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2020		            
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Insurance Insurance Analysis Credit Open   3 26777602 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance is $XXX with an additional 50%, appraised value is $XXX          
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   2 26777603 TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 12/XX/2016 not accurate. (Final/12/XX/2016) Hazard insurance is $XXX. per year, annual taxes are $XXX for a total of $XXX         Letter of Explanation & Corrected Closing Disclosure
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Compliance Federal Compliance Compliance Open   2 26777604 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2016). (Final/12/XX/2016) Lender credit was applied to non-finance charges first         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Income / Employment Income Documentation Credit Open   3 26777605 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2013 Verification of employment not required fro previous employment.          
275064881 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2016 CA $XXX Loan Review Complete 2022-05-27 15:33:48.000000 Income / Employment Income Documentation Credit Open   3 26777606 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2013 Verification of employment not required fro previous employment.          
275064884 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2018 NJ $XXX Loan Review Complete 2022-05-27 12:58:35.000000 Loan Package Documentation Application / Processing Credit Open   3 26777596 Missing Document: Fraud Report not provided             Provide missing documentation
275064884 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2018 NJ $XXX Loan Review Complete 2022-05-27 12:58:35.000000 Compliance Federal Compliance Compliance Open   2 26777597 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX  is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) Unable to locate valid change of circumstance letter or cure to support an increase in the zero tolerance fee of Lender Credit. Lender credit decreased from $XXX to $XXX on final CD.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064884 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2018 NJ $XXX Loan Review Complete 2022-05-27 12:58:35.000000 Compliance Federal Compliance Compliance Open   2 26777598 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) Unable to locate valid change of circumstance letter or cure to support an increase in the zero tolerance fee of Loan Discount Points fee Increased from $XXX to $XXX.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275064884 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2018 NJ $XXX Loan Review Complete 2022-05-27 12:58:35.000000 Compliance Federal Compliance Compliance Open   2 26777599 Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Notice of Special Flood Hazard Disclosure was provided and signed by borrowers on 3/XX/2018.          
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 HUD General Credit Open   3 26777633 Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX. Cash to Borrower:  $XXX; Total Cash Out:    $XXX;  Refi Purpose:  Limited Cash-out GSE            
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 Appraisal Reconciliation Value Discrepancy Property Open   3 26777634 Loan is to go in a securitization and reflects only one valuation product when two are required.              
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 Compliance Federal Compliance Compliance Open   2 26777635 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 Compliance Federal Compliance Compliance Open   2 26777636 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 Compliance Federal Compliance Compliance Open   2 26777637 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064983 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 10/XX/2015 CA $XXX Loan Review Complete 2019-09-25 00:34:41.000000 Compliance Federal Compliance Compliance Open   2 26777638 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Loan Package Documentation Application / Processing Credit Open   1 26777741 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2014                 
Disaster End Date: 04/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 04/XX/2020		            
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777742 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777743 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777744 RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777745 RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application RESPA Disclosure Rule:  HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. HUD Settlement Cost Booklet was not provided to applicant within three (3) business days.          
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777746 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days.          
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777747 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011):  The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
275064780 XXX XXX XXX XXX Purchase Primary 7/XX/2014 TN $XXX Loan Review Complete 2022-02-15 17:39:43.000000 Compliance Federal Compliance Compliance Open   2 26777748 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011):  Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
275065148 XXX XXX XXX XXX Purchase UTD 8/XX/2015 WI $XXX Loan Review Complete 2019-10-01 23:55:58.000000 Loan Package Documentation Loan File Compliance Open   3 26777759 (Missing Doc) Incomplete loan images/file   Missing HUD, Application, Approval, Title and Valuation.  Only Note and deed available         Provide missing documentation
275065084 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2014 VA $XXX Loan Review Complete 2022-03-02 16:11:58.000000 Loan Package Documentation Application / Processing Credit Open   3 26777835 Missing Document: Fraud Report not provided   Required Fraud report is missing from file.         Provide missing documentation
275065084 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2014 VA $XXX Loan Review Complete 2022-03-02 16:11:58.000000 Compliance Federal Compliance Compliance Open   2 26777837 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine cause of under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065084 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2014 VA $XXX Loan Review Complete 2022-03-02 16:11:58.000000 Compliance Federal Compliance Compliance Open   2 26777838 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Loan Package Documentation Application / Processing Credit Open   1 26777839 Missing Document: Flood Certificate not provided             Provide missing documentation
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Loan Package Documentation Application / Processing Credit Open   3 26777840 Missing Document: Fraud Report not provided             Provide missing documentation
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Credit Credit Documentation Credit Open   3 26777841 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX            
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Miscellaneous Compliance Compliance Open   2 26777842 (Doc Error) Initial GFE not provided              
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Income / Employment Income Documentation Credit Open   3 26777843 The verification of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2005 Missing VVOE dated within 10 business days of the Note date.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777846 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.            
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777847 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777848 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777849 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777850 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. The loan is failing Temp SHQM due to missing the VVOE. Missing credit report required per SHQM requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777851 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) The loan is failing Temp SHQM due to missing the VVOE. Missing income documentation required to meet SHQM requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777852 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777853 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777854 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777855 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777856 General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777858 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.         Lender to provide updated ATR/QM status
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777859 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/9902988) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777860 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/9902989) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777861 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777862 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   3 26777863 Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) Loan is failing QM testing due to missing VVOE, for HARP loan.  Loan is waterfalling to standard QM/ATR documentation requirements.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Loan Package Documentation Closing / Title Compliance Open   2 26777864 (Doc Error) TIL Error: TIL did not reflect the required verbiage              
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Income / Employment Income Documentation Credit Open   3 26777865 Income documentation requirements not met.   Missing VVOE required for XXX.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Compliance Federal Compliance Compliance Open   2 26777866 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Guideline Guideline Issue Credit Open   3 26777867 Employment was not verified within 10 days of the note date. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2007, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2005, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2000            
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Asset Asset Calculation / Analysis Credit Open   3 26777868 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX.            
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Income / Employment Income Documentation Credit Open   3 26777869 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2005 Missing VVOE's.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Income / Employment Income Documentation Credit Open   3 26777870 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2007 Missing VVOE's.          
275065086 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2014 CA $XXX Loan Review Complete 2022-03-04 16:38:37.000000 Income / Employment Income Documentation Credit Open   3 26777871 The verification of employment is required and was not found in file. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2000 Missing VVOE's.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Loan Package Documentation Application / Processing Credit Open   3 26778011 Missing Document: AUS not provided   File is missing final AUS, final 1008 showing AUS approved used for review.         Provide missing documentation
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Loan Package Documentation Application / Processing Credit Open   1 26778012 Missing Document: Flood Certificate not provided             Provide missing documentation
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Loan Package Documentation Application / Processing Credit Open   3 26778013 Missing Document: Fraud Report not provided             Provide missing documentation
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 26778014 AUS/Guideline Findings: All conditions were not met   The AUS is missing from the loan file, unable to determine if conditions were met.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778015 Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2015,  Most Recent Tax Return End Date 12/XX/2013, Tax Return Due Date 04/XX/2015. (XXX XXX/Schedule C) Missing AUS so loan is waterfalling to Appendix Q.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   3 26778016 Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) Missing AUS so loan is waterfalling to Appendix Q.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778017 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Disclosure is dated 05/XX/2015 and the initial application date is 05/XX/2015.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778018 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   3 26778019 General Ability To Repay Provision Income and Assets - Schedule C Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXX XXX/Schedule C) Missing AUS so loan is waterfalling to Appendix Q.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   3 26778021 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. Missing AUS so loan is waterfalling to Appendix Q.         Lender to provide updated ATR/QM status
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778022 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. The RESPA Servicing Disclosure dated 5/XX/2015 was not dated within 3 days of the application date of 5/XX/2015.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778023 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The RESPA Homeownership Counseling List dated 5/XX/2015 was not dated within 3 days of the application date of 5/XX/2015.          
275065090 XXX XXX XXX XXX Purchase Primary 7/XX/2015 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Income / Employment Income Documentation Credit Open   3 26778024 REO Documents are missing. Address: XXX, CA Tax Verification Missing Tax Verification to verify monthly expenses used to qualify.         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   1 26778043 Missing Document: Flood Certificate not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Loan File Credit Open   3 26778044 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Missing Document General Credit Open   3 26778045 Missing Document: Account Statements - Personal not provided   Verification of assets not provided.         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Credit Credit Documentation Credit Open   3 26778046 Missing Document: Credit Report not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778047 Missing Document: Fraud Report not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778048 Missing Document: Approval not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778049 Missing Document: AUS not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778050 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778051 Missing Document: Tax Certificate not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   3 26778052 Missing Document: Verification of Identification not provided             Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Compliance Federal Compliance Compliance Open   2 26778053 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2015) Unable to locate verification of the date received in the loan file.          
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Compliance Federal Compliance Compliance Open   2 26778054 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. Disclosure not provided for review         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Insurance Insurance Documentation Credit Open   3 26778055 Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage.   Insurance verification not provided in the loan file.         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Loan Package Documentation Application / Processing Credit Open   1 26778056 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2015                 
Disaster End Date: 09/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2021		            
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Income / Employment Income Documentation Credit Open   3 26778058 Income Docs Missing: Borrower: XXX 4506-T (2014), PaystXXX, VVOE - Employment Only, W-2 (2014) Income documentation was not provided in the loan file.         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Income / Employment Income Documentation Credit Open   3 26778060 REO Documents are missing. Address: XXX, NY, Address: XXX, NY Insurance Verification, Lease Agreement, Statement, Tax Verification
Insurance Verification, Tax Verification		 Missing verification of PITIA and rental income.         Provide missing documentation
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Asset Asset Calculation / Analysis Credit Open   3 26778061 Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $XXX is less than Cash From Borrower $XXX. Asset documentation not provided          
275065091 XXX XXX XXX XXX Purchase Investment 8/XX/2015 NY $XXX Loan Review Complete 2022-03-14 17:24:05.000000 Income / Employment Income Documentation Credit Open   3 26778062 Verification(s) of employment is not within 10 business days of the Note. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/1995 Verification of employment was not provided.          
275065092 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2016 MD $XXX Loan Review Complete 2022-03-08 16:30:20.000000 Loan Package Documentation Application / Processing Credit Open   3 26778131 Missing Document: Fraud Report not provided             Provide missing documentation
275065092 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2016 MD $XXX Loan Review Complete 2022-03-08 16:30:20.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 26778132 Missing Document: Note - Subordinate Lien not provided             Provide missing documentation
275065092 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2016 MD $XXX Loan Review Complete 2022-03-08 16:30:20.000000 Compliance Federal Compliance Compliance Open   2 26778133 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) $XXX violation due to increase in Recording Fee.  No evidence of cure.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065092 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2016 MD $XXX Loan Review Complete 2022-03-08 16:30:20.000000 Compliance Federal Compliance Compliance Open   2 26778134 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Missing valid COC for the increase of transfer tax. No cure provided on final CD.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065104 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2017 TX $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Loan Package Documentation Application / Processing Credit Open   3 26778207 Missing Document: Fraud Report not provided   File is missing the required Fraud Report.         Provide missing documentation
275065104 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2017 TX $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26778210 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2017                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		 Subject property value was obtained with a lender stated value dated 08/XX/2017. File is missing a property inspection to verify the subject property was not damaged in the FEMA disaster (XXX) dated 02/XX/2021 through 02/XX/2021, or attestation and evidence that lender provided rep and warranty that the subject property was not damaged.          
275065104 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2017 TX $XXX Loan Review Complete 2022-03-04 18:15:32.000000 Insurance Insurance Analysis Credit Open   3 26778211 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance amount of $XXX is not enough to cover the loan amount of $XXX and the appraised value was obtained with an appraisal waiver. File is missing documentation from the property insurer to establish their opinion of the property's true replacement cost in order to determine if the amount of coverage is sufficient.          
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Loan Package Documentation Application / Processing Credit Open   1 26778246 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2017                 
Disaster End Date: 11/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2020		            
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Income / Employment Income Documentation Credit Open   3 26778247 REO Documents are missing. Address: XXX, CA Statement           Provide missing documentation
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778248 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2017)            
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   3 26778249 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.         Lender to provide updated ATR/QM status
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   3 26778250 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.73105% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .73105%). Points and Fees on subject loan of 3.73105% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .73105%).         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778251 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower. (0) Recording Fee of $XXX was not disclosed on Loan Estimate.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778252 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75187) Title - Courier Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778253 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75197) Title - Recording Service Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778254 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75200) Title - Signing Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778255 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lenders Coverage Premium.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (75244) Title - Lenders Coverage Premium Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778256 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7561) Title - Settlement Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065107 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2018 CA $XXX Loan Review Complete 2022-03-04 13:36:22.000000 Compliance Federal Compliance Compliance Open   2 26778257 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7326) Loan Originator Compensation Fee of $XXX was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065109 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2019 CA $XXX Loan Review Complete 2022-03-09 17:46:29.000000 Loan Package Documentation Application / Processing Credit Open   1 26778351 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2019                 
Disaster End Date: 09/XX/2020
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2020		            
275065109 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2019 CA $XXX Loan Review Complete 2022-03-09 17:46:29.000000 Compliance Federal Compliance Compliance Open   3 26778352 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Subject loan does not meet the requirements of Temporary SHQM (GSE/Agency Eligible) due to failing the QM points and fees test.         Lender to provide updated ATR/QM status
275065109 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2019 CA $XXX Loan Review Complete 2022-03-09 17:46:29.000000 Compliance Federal Compliance Compliance Open   3 26778353 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.00745% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .00745%). Qualified Mortgage: Points and Fees for subject loan of 4.04821% exceed the 3.00% allowable maximum of the Federal total loan amount of $XXX, and points and fees totaling $XXX exceed the allowable maximum of $XXX, which is an overage of $XXX or 1.04821%.         If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:
1)      Refund is made within 210 days of consummation;
2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3)      The loan is not 60 days delinquent;
4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and
5)      The loan was closed on or before January 10, 2021;

Documents Required to Cure
1)      Letter of Explanation
2)      Copy of Refund Check (in the amount of overage plus interest)
3)      Proof of Delivery
4)      Lender/Seller Attestation indicating:
        a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
        b)      The loan is not 60 days delinquent; and
        c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26778361 Missing Document: Appraisal not provided   PIW was not located in the file         Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Loan Package Documentation Application / Processing Credit Open   1 26778362 Missing Document: Flood Certificate not provided             Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Loan Package Documentation Application / Processing Credit Open   3 26778363 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: XXX
Disaster Declaration Date: 10/XX/2012
Disaster End Date:  11/XX/2012		 The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject.          
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Loan Package Documentation Closing / Title Credit Open   3 26778364 Security Instrument is not signed by borrower(s).              
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Loan Package Documentation Closing / Title Credit Open   3 26778367 The Note has not been signed by the borrower(s).              
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778368 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.           Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778369 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778370 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778371 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778372 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778373 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778374 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements Note not signed          
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Income / Employment Income Documentation Credit Open   3 26778375 Income Docs Missing: Borrower: XXX Third Party Verification           Provide missing documentation
275065089 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 2/XX/2015 NJ $XXX Loan Review Complete 2022-03-08 15:46:50.000000 Compliance Federal Compliance Compliance Open   2 26778376 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
275063790 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 AR $XXX Loan Review Complete 2021-04-22 16:14:58.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26778437 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2006           Provide missing documentation
275063790 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 AR $XXX Loan Review Complete 2021-04-22 16:14:58.000000 Compliance Federal Compliance Compliance Open   2 26778438 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063790 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 AR $XXX Loan Review Complete 2021-04-22 16:14:58.000000 Compliance Federal Compliance Compliance Open   2 26778439 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063790 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2006 AR $XXX Loan Review Complete 2021-04-22 16:14:58.000000 Credit Credit Documentation Credit Open   3 26778440 Missing Document: Credit Report not provided             Provide missing documentation
275064058 XXX XXX XXX XXX Purchase Primary 12/XX/2005 NC $XXX Loan Review Complete 2019-11-15 18:39:33.000000 Compliance Federal Compliance Compliance Open   2 26778505 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064053 XXX XXX XXX XXX Purchase Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-07-19 11:00:13.000000 Compliance Federal Compliance Compliance Open   2 26778522 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064053 XXX XXX XXX XXX Purchase Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-07-19 11:00:13.000000 Compliance Federal Compliance Compliance Open   2 26778523 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064053 XXX XXX XXX XXX Purchase Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-07-19 11:00:13.000000 Compliance Federal Compliance Compliance Open   3 26778524 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064053 XXX XXX XXX XXX Purchase Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-07-19 11:00:13.000000 Compliance Federal Compliance Compliance Open   2 26778525 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 06/XX/2002.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064065 XXX XXX XXX XXX Purchase Primary 2/XX/2007 GA $XXX Loan Review Complete 2019-03-12 19:26:43.000000 Compliance Federal Compliance Compliance Open   2 26778532 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064064 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 PA $XXX Loan Review Complete 2018-11-29 20:53:37.000000 Loan Package Documentation Closing / Title Credit Open   2 26778543 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064064 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 PA $XXX Loan Review Complete 2018-11-29 20:53:37.000000 Compliance Federal Compliance Compliance Open   2 26778544 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization of amount financed did not disclose the closing service letter of $XXX  as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064171 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MA $XXX Loan Review Complete 2019-07-19 11:18:25.000000 Compliance Federal Compliance Compliance Open   2 26778576 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2007.           Provide missing documentation
275064171 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MA $XXX Loan Review Complete 2019-07-19 11:18:25.000000 Compliance Federal Compliance Compliance Open   2 26778577 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064171 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MA $XXX Loan Review Complete 2019-07-19 11:18:25.000000 Compliance Federal Compliance Compliance Open   2 26778578 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064171 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MA $XXX Loan Review Complete 2019-07-19 11:18:25.000000 Compliance State Compliance Compliance Open   2 26778579 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275064157 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Loan Package Documentation Application / Processing Credit Open   1 26778599 Missing Document: Missing Final 1003             Provide missing documentation
275064157 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26778600 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2007.           Provide missing documentation
275064157 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26778601 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064157 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   3 26778602 Missing Final HUD-1:  Estimated HUD-1 Used For Fee Testing Missing Final HUD-1:  Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064157 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 2018-03-13 09:26:51.000000 Compliance Federal Compliance Compliance Open   2 26778603 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064303 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NY $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Open   2 26778642 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2006.           Provide missing documentation
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778673 (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.16814% or Final Disclosure APR of 10.17000% is in excess of allowable threshold of APOR 3.39% + 1.5%, or 4.89000%.  Compliant Higher Priced Loan.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778674 (Missing Data) Last Rate Set Date  Last Date Rate Set was not provided.  In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.           Provide missing documentation
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778675 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778676 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778677 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance State Compliance Compliance Cured 02/05/2018 2 26778678 (TX50(a)(6)) Texas Cash-out Loan  (Points and Fees Exceeds 3% of Original Principal Balance) Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.92982% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount.  Points and Fees total $XXX on an Original Principal Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 0.92982%.)         (2018/XX/05): Received servicing screen print to evidence the lender’s credit of $XXX to cure the 3% points and fees exception and copy of letter to borrower. Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.])
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778679 2011 TIL-MDIA - Interest Rate Inaccurate Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Loan Package Documentation Closing / Title Credit Open   1 26778680 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 26778681 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778682 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance Federal Compliance Compliance Open   2 26778683 SAFE Act - LO Company NMLS license status not approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities. Loan Originator Organization not licensed in Texas          
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance State Compliance Compliance Cured 02/05/2018 2 26778684 (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan Violation.  Borrower was not provided copy of Application 1 day prior to closing.         (2018/XX/05): Bayview provided copy of letter sent to borrower indicating they have credited $XXX to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $XXX.  Outside counsel advised this was sufficient to cure this exception.  Offer to Refinance expires 3/XX/2018. Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance State Compliance Compliance Cured 02/05/2018 2 26778685 (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan Violation.   No evidence that borrower(s) received copies of all documents signed at time of closing.         (2018/XX/05): Bayview provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing.  Bayview has credited $XXX to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $XXX.  Bayview also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files.  Outside counsel advised this was sufficient to cure this exception with the catch all cure.  Offer to Refinance expires 3/XX/2018. Either Deliver the required documents to the borrower or refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064331 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2011 TX $XXX Loan Review Complete 2016-10-10 13:45:45.000000 Compliance State Compliance Compliance Open   2 26778686 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. Missing Final Title Policy         The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Loan Package Documentation Application / Processing Credit Open   1 26778729 Missing Document: Missing Final 1003             Provide missing documentation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26778730 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26778731 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 26778732 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 26778733 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 26778734 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 26778735 North Carolina First Lien Late Charge Grace Period Testing North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance State Compliance Compliance Open   2 26778736 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 26778737 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064433 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-01-11 18:15:58.000000 Compliance Federal Compliance Compliance Open   2 26778738 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064620 XXX XXX XXX XXX Purchase Primary 9/XX/2004 OH $XXX Loan Review Complete 2019-12-24 10:23:31.000000 Compliance Federal Compliance Compliance Open   2 26778828 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064620 XXX XXX XXX XXX Purchase Primary 9/XX/2004 OH $XXX Loan Review Complete 2019-12-24 10:23:31.000000 Compliance Federal Compliance Compliance Open   2 26778829 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064620 XXX XXX XXX XXX Purchase Primary 9/XX/2004 OH $XXX Loan Review Complete 2019-12-24 10:23:31.000000 Compliance Federal Compliance Compliance Open   2 26778830 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064609 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2020-01-02 09:40:22.000000 Compliance Federal Compliance Compliance Open   2 26778831 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064609 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2020-01-02 09:40:22.000000 Compliance Federal Compliance Compliance Open   2 26778832 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064635 XXX XXX XXX XXX Purchase Primary 5/XX/2007 GA $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26778943 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064629 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 WI $XXX Loan Review Complete 2018-09-19 16:10:10.000000 Loan Package Documentation Application / Processing Credit Open   1 26778961 Missing Document: Missing Final 1003             Provide missing documentation
275064629 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 WI $XXX Loan Review Complete 2018-09-19 16:10:10.000000 Credit Credit Documentation Credit Open   3 26778962 Missing Document: Credit Report not provided             Provide missing documentation
275064642 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NE $XXX Loan Review Complete 2019-01-22 08:13:11.000000 Compliance Federal Compliance Compliance Open   2 26778963 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064642 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NE $XXX Loan Review Complete 2019-01-22 08:13:11.000000 Compliance Federal Compliance Compliance Open   2 26778964 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 01/XX/2007.           Provide missing documentation
275064625 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/1999 NC $XXX Loan Review Complete 2019-03-26 10:18:08.000000 Compliance Federal Compliance Compliance Open   2 26778965 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/1998.           Provide missing documentation
275064625 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/1999 NC $XXX Loan Review Complete 2019-03-26 10:18:08.000000 Compliance Federal Compliance Compliance Open   2 26778966 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064666 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IN $XXX Loan Review Complete 2019-06-17 03:07:21.000000 Compliance Federal Compliance Compliance Open   2 26778974 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2005.           Provide missing documentation
275064666 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IN $XXX Loan Review Complete 2019-06-17 03:07:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26778975 Missing Document: Missing Final 1003             Provide missing documentation
275064666 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IN $XXX Loan Review Complete 2019-06-17 03:07:21.000000 Compliance Federal Compliance Compliance Open   2 26778976 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064666 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IN $XXX Loan Review Complete 2019-06-17 03:07:21.000000 Compliance Federal Compliance Compliance Open   2 26778977 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064650 XXX XXX XXX XXX Purchase Primary 9/XX/2001 NC $XXX Loan Review Complete 2019-08-14 04:26:35.000000 Loan Package Documentation Application / Processing Credit Open   1 26779022 Missing Document: Missing Final 1003             Provide missing documentation
275064650 XXX XXX XXX XXX Purchase Primary 9/XX/2001 NC $XXX Loan Review Complete 2019-08-14 04:26:35.000000 Compliance Federal Compliance Compliance Open   2 26779023 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 08/XX/2001.           Provide missing documentation
275064675 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 WV $XXX Loan Review Complete 2018-12-18 12:32:56.000000 Insurance Insurance Documentation Credit Open   1 26779104 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
275064675 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 WV $XXX Loan Review Complete 2018-12-18 12:32:56.000000 Compliance Federal Compliance Compliance Open   2 26779105 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2003.           Provide missing documentation
275064675 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2003 WV $XXX Loan Review Complete 2018-12-18 12:32:56.000000 Compliance Federal Compliance Compliance Open   2 26779106 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2003, prior to three (3) business days from transaction date of 12/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064686 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 RI $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 26779130 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064686 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 RI $XXX Loan Review Complete 2021-10-18 19:27:56.000000 Compliance Federal Compliance Compliance Open   2 26779131 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064705 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 VA $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 26779184 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064705 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2006 VA $XXX Loan Review Complete 2021-09-02 11:31:17.000000 Compliance Federal Compliance Compliance Open   2 26779185 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779194 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779195 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779196 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779197 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779198 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779199 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779200 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064591 XXX XXX XXX XXX Purchase Primary 10/XX/2010 IL $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26779201 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064349 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CO $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Loan Package Documentation Application / Processing Credit Open   1 26779370 Missing Document: Missing Final 1003             Provide missing documentation
275064349 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CO $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 26779371 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064349 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 CO $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance State Compliance Compliance Open   2 26779372 Colorado Home Loan (Ability to Repay not Verified) Colorado Home Loan (HB1322):  Borrower’s ability to repay not verified with reliable documentation.            
275064347 XXX XXX XXX XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   3 26779374 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064347 XXX XXX XXX XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 26779375 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064347 XXX XXX XXX XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 2021-11-18 15:38:35.000000 Compliance Federal Compliance Compliance Open   2 26779376 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26779421 Missing Document: Missing Final 1003             Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26779422 Missing Document: Flood Certificate not provided             Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26779423 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Miscellaneous Compliance Compliance Open   2 26779424 (Doc Error) Initial GFE not provided              
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Cleared 04/23/2019 1 26779425 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.         (2019/XX/23): Final HUD-1 with disbursement date provided. Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Cleared 04/23/2019 1 26779426 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2019/XX/23): Final HUD-1 provided. Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Cleared 04/23/2019 1 26779427 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 11/XX/2006.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019/XX/23): Exception replaced with: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A look back was performed to determine this application date. The final date used for testing was 11/XX/2006. Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Open   2 26779428 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Open   2 26779429 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Open   2 26779430 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-03-28 07:42:21.000000 Compliance Federal Compliance Compliance Open   2 26779431 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064720 XXX XXX XXX XXX Refinance UTD Primary 5/XX/2007 DE $XXX Loan Review Complete 2019-04-23 10:29:00.000000 Compliance Federal Compliance Compliance Open   2 26779432 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275064726 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 NH $XXX Loan Review Complete 2020-09-09 10:15:31.000000 Loan Package Documentation Loan File Compliance Cleared 09/08/2020 1 26779452 (Missing Doc) Incomplete loan images/file   Status is Missing.  File does not include documentation for the subject loan.  File contains servicing documentation but does not contain legal or compliance documents for the subject.       (2020/XX/08): Note provided. Exception cleared. Provide missing documentation
275064726 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 NH $XXX Loan Review Complete 2020-09-09 10:15:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26779453 Missing Document: Missing Final 1003             Provide missing documentation
275064726 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2008 NH $XXX Loan Review Complete 2020-09-09 10:15:31.000000 Loan Package Documentation Government Documentation Credit Open   3 26779454 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064835 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Loan Package Documentation Government Documentation Credit Open   3 26779461 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064835 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Document Error General Credit Open   3 26779462 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275064835 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Compliance Federal Compliance Compliance Open   2 26779463 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064835 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-05-19 14:19:43.000000 Compliance Federal Compliance Compliance Open   2 26779464 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064903 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 2018-10-20 15:28:05.000000 Compliance Federal Compliance Compliance Open   2 26779624 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064903 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 2018-10-20 15:28:05.000000 Compliance Federal Compliance Compliance Open   2 26779625 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064903 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 2018-10-20 15:28:05.000000 Compliance Federal Compliance Compliance Open   2 26779626 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
275064903 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 2018-10-20 15:28:05.000000 Compliance Federal Compliance Compliance Open   2 26779627 TILA HELOC - HELOC Brochure Not Provided Timely Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application.            
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26779959 Missing Document: Missing Final 1003             Provide missing documentation
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 26779960 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   3 26779961 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable.            
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 26779962 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 26779963 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 26779964 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Compliance Federal Compliance Compliance Open   2 26779965 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26779966 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064894 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 2022-05-04 12:12:32.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26779967 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Loan Package Documentation Application / Processing Credit Open   1 26780088 Missing Document: Missing Final 1003             Provide missing documentation
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26780089 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Miscellaneous Compliance Compliance Open   2 26780090 (Doc Error) Initial GFE not provided              
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Cleared 06/01/2022 1 26780091 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1996 used as disbursement date for compliance testing.         (2022/XX/01): Received HUD-1, exception cleared. Provide missing documentation
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Cleared 06/01/2022 1 26780092 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2022/XX/01): Received HUD-1, exception cleared. Provide missing documentation
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Cleared 06/01/2022 1 26780093 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1996 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/01): Received HUD-1, exception cleared. Provide missing documentation
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26780094 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26780095 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-06-01 08:58:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 26780096 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064892 XXX XXX XXX XXX Purchase UTD 9/XX/1996 PA $XXX Loan Review Complete 2022-06-01 08:59:18.000000 Compliance Federal Compliance Compliance Open   2 26780097 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064858 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/1998 IL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26780099 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064858 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/1998 IL $XXX Loan Review Complete 2022-04-22 09:12:50.000000 Compliance Federal Compliance Compliance Open   2 26780100 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose the settlement fee of $XXX or the courier fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064868 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 2022-05-13 17:19:20.000000 Loan Package Documentation Government Documentation Credit Open   3 26780176 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275064868 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 2022-05-13 17:19:20.000000 Compliance Miscellaneous Compliance Compliance Open   2 26780177 Prepayment Penalty Discrepancy Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, FNMA, and/or QM points and fees findings.            
275064868 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 2022-05-13 17:19:20.000000 Compliance Federal Compliance Compliance Open   2 26780178 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275064868 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 2022-05-13 17:19:20.000000 Compliance Federal Compliance Compliance Open   2 26780179 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26780418 Missing Document: Missing Final 1003             Provide missing documentation
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Compliance Federal Compliance Compliance Open   2 26780419 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Compliance Federal Compliance Compliance Open   2 26780420 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Compliance Federal Compliance Compliance Open   2 26780421 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26780422 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26780423 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Compliance Federal Compliance Compliance Open   2 26780424 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064895 XXX XXX XXX XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 2022-05-24 09:11:32.000000 Compliance Federal Compliance Compliance Open   2 26780425 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Loan Package Documentation Application / Processing Credit Open   1 26780452 Missing Document: Missing Final 1003             Provide missing documentation
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26780453 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Miscellaneous Compliance Compliance Open   2 26780454 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26780455 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780456 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780457 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780458 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780459 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780460 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064896 XXX XXX XXX XXX Refinance Cash-out - Other UTD 8/XX/2004 CA $XXX Loan Review Complete 2022-05-24 09:53:48.000000 Compliance Federal Compliance Compliance Open   2 26780461 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Loan Package Documentation Application / Processing Credit Open   1 26780547 Missing Document: Missing Final 1003             Provide missing documentation
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Compliance Federal Compliance Compliance Open   2 26780548 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Compliance Federal Compliance Compliance Open   2 26780549 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26780550 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26780551 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064900 XXX XXX XXX XXX Refinance Cash-out - Other Second Home 8/XX/2008 CA $XXX Loan Review Complete 2022-05-23 22:41:33.000000 Title Lien Credit Open   3 26780552 Missing note/terms on senior lien.  Subject loan is in second position. Lien Position: 1           Provide missing documentation
275064993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 TN $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance Federal Compliance Compliance Open   2 26781010 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064993 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 TN $XXX Loan Review Complete 2022-06-20 18:20:02.000000 Compliance State Compliance Compliance Open   2 26781011 Tennessee Prepayment Penalty Test Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.            
275064998 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-08-14 04:22:52.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781064 (Doc Error) Initial GFE not provided              
275064998 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-08-14 04:22:52.000000 Compliance Federal Compliance Compliance Open   2 26781065 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 06/XX/2002.           Provide missing documentation
275064998 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-08-14 04:22:52.000000 Compliance Federal Compliance Compliance Open   2 26781066 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064998 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 MI $XXX Loan Review Complete 2019-08-14 04:22:52.000000 Compliance Federal Compliance Compliance Open   2 26781067 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065118 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781267 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065118 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781268 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Loan Package Documentation Closing / Title Compliance Cleared 07/19/2022 1 26781279 Missing Document: Note - Subject Lien not provided           (2022/XX/19): Cleared with Note provided. Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Loan Package Documentation Loan File Compliance Cleared 07/19/2022 1 26781280 (Missing Doc) Incomplete loan images/file   File only contains Mortgage and Title Policy.  Compliance testing not completed.       (2022/XX/19): Cleared with Note provided Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26781281 Missing Document: Missing Final 1003             Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Loan Package Documentation Application / Processing Compliance Cleared 07/19/2022 1 26781282 Missing Document: Missing Lender's Initial 1003           (2022/XX/19): Cleared after sXXXequent review. Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781283 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781284 (Doc Error) Initial GFE not provided              
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781285 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26781286 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-08 12:20:59.000000 Loan Package Documentation Closing / Title Compliance Open   2 26781287 TILA - Final TIL Missing             Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-19 11:59:08.000000 Compliance Federal Compliance Compliance Open   2 26781288 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-19 11:59:08.000000 Compliance Federal Compliance Compliance Open   3 26781289 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-19 11:59:08.000000 Compliance State Compliance Compliance Open   2 26781290 California Primary Residence Late Charge Percent Testing California Late Charge: Note late charge of 10.00000% exceeds state maximum of 6% or $XXX whichever is greater.            
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-19 11:59:08.000000 Compliance Federal Compliance Compliance Open   2 26781291 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065125 XXX XXX XXX XXX Refinance UTD UTD 8/XX/2001 CA $XXX Loan Review Complete 2022-07-19 11:59:08.000000 Compliance Federal Compliance Compliance Open   2 26781292 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Application / Processing Credit Open   1 26781312 Missing Document: Missing Final 1003             Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781314 (Doc Error) Initial GFE not provided              
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/19/2022 1 26781315 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.         (2022/XX/19): Cleared exception upon further review. Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/19/2022 1 26781316 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.         (2022/XX/19): Cleared exception upon further review. Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Cleared 07/19/2022 1 26781317 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/19): Cleared exception upon further review. Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781318 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781319 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781320 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781321 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065157 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 2022-07-19 08:18:28.000000 Compliance Federal Compliance Compliance Open   2 26781322 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065216 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26781373 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275065216 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781374 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065216 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26781375 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Homestead Exemption Waiver            
275065216 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MI $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26781376 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781464 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781465 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781466 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781467 RESPA -  Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information.           Provide missing documentation
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781468 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781469 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Closing / Title Compliance Open   2 26781470 (Doc Error) TIL Error: Borrower signature not dated.              
275064771 XXX XXX XXX XXX Purchase Primary 10/XX/2012 TX $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Credit Credit Documentation Credit Open   3 26781471 Missing Document: Credit Report not provided             Provide missing documentation
275064744 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2004 PA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26781497 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064744 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2004 PA $XXX Loan Review Complete 2022-01-26 12:10:21.000000 Compliance Federal Compliance Compliance Open   2 26781498 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed and Under disclosure is due to the lender’s TIL reflecting MI being in force for 55 months, however based on the loan amount and appraised value the MI would be in force for 56 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26781507 Missing Document: Missing Final 1003             Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781508 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1998 used as disbursement date for compliance testing.           Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   3 26781509 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781510 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/1998 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781511 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781512 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781513 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781514 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26781515 Missing Document: Appraisal not provided             Provide missing documentation
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781516 (Doc Error) Initial GFE not provided              
275064736 XXX XXX XXX XXX Refinance UTD Primary 6/XX/1998 VA $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Credit Credit Documentation Credit Open   3 26781517 Missing Document: Credit Report not provided             Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26781524 Missing Document: Missing Final 1003             Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26781525 Missing Document: Appraisal not provided             Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26781526 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781527 (Doc Error) Initial GFE not provided              
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781528 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1998 used as disbursement date for compliance testing.           Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   3 26781529 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781530 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/1998 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781531 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781532 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Compliance Federal Compliance Compliance Open   2 26781533 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781534 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064737 XXX XXX XXX XXX UTD UTD Primary 8/XX/1998 ID $XXX Loan Review Complete 2022-02-09 08:55:31.000000 Credit Credit Documentation Credit Open   3 26781535 Missing Document: Credit Report not provided             Provide missing documentation
275064735 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2004 NJ $XXX Loan Review Complete 2019-12-18 09:45:56.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26781564 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26781565 Missing Document: Missing Final 1003             Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781566 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   3 26781567 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781568 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance State Compliance Compliance Open   2 26781569 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation.            
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance State Compliance Compliance Open   2 26781570 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance State Compliance Compliance Open   2 26781571 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.            
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781572 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781573 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065224 XXX XXX XXX XXX Purchase Primary 6/XX/2007 OH $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781575 (Doc Error) Initial GFE not provided              
275065232 XXX XXX XXX XXX Purchase Primary 10/XX/2012 PA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781594 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065232 XXX XXX XXX XXX Purchase Primary 10/XX/2012 PA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781595 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065232 XXX XXX XXX XXX Purchase Primary 10/XX/2012 PA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781596 RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26781616 Missing Document: Missing Final 1003             Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781617 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   3 26781618 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781619 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781620 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781621 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781622 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065286 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2005 CA $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781623 (Doc Error) Initial GFE not provided              
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26781624 Missing Document: Missing Final 1003             Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Government Documentation Credit Open   3 26781625 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Government Documentation Credit Open   3 26781626 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Loan Package Documentation Government Documentation Credit Open   3 26781627 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Disclosure Missing Document Credit Open   3 26781628 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 FHA MIP Document Error Compliance Open   3 26781629 Missing details of FHA UFMIP (ie. financed vs cash portions).  Testing is incomplete.             Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781630 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 26781631 (Doc Error) Initial GFE not provided              
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26781632 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781633 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1978 used as disbursement date for compliance testing.           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781634 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   3 26781635 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781636 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/1978 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781637 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065290 XXX XXX XXX XXX Purchase UTD 12/XX/1978 FL $XXX Loan Review Complete 2022-07-05 16:15:59.000000 Compliance Federal Compliance Compliance Open   2 26781638 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   1 26781683 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance State Compliance Compliance Open   2 26781684 California Prepayment Penalty California Prepayment Penalty:  Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.            
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 26781685 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 26781686 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 26781687 TIL APR Tolerance Irregular Transaction Truth In Lending Act:  Final TIL APR of 6.37700% is underdisclosed from calculated APR of 6.74047% outside of 0.125% tolerance. It appears the Lender utilized an index value lower than 4.0108%, the lowest index available in the lookback period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065111 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 2019-06-25 19:03:06.000000 Compliance Federal Compliance Compliance Open   2 26781688 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. It appears the Lender utilized an index value lower than 4.0108%, the lowest index available in the lookback period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065219 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2007 IL $XXX Loan Review Complete 2019-10-04 18:05:25.000000 Compliance Federal Compliance Compliance Open   2 26781749 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065156 XXX XXX XXX XXX Purchase Primary 12/XX/2006 AL $XXX Loan Review Complete 2019-07-02 13:27:01.000000 Compliance Federal Compliance Compliance Open   2 26781891 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275065128 XXX XXX XXX XXX Purchase Primary 12/XX/2004 TN $XXX Loan Review Complete 2019-06-13 21:54:17.000000 Compliance Federal Compliance Compliance Open   2 26781922 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Lenders Final TIL represents 120 monthly payments of MI at initial rate and additional 28 monthly payments of MI at lower 0.20% rate.  Whereas audited finance charge reflects 148 monthly payments of MI at initial rate as reflected on mortgage insurance certificate in file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065169 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 26781925 FNMA Points and Fees  FNMA Points and Fees on subject loan of 6.06737% is in excess of the allowable maximum of  5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.06737%).            
275065169 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 26781926 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2006.           Provide missing documentation
275065169 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 2018-07-02 14:48:51.000000 Compliance Federal Compliance Compliance Open   2 26781927 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the Tax cert fee of $XXX or the e-mail fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Application / Processing Compliance Open   1 26781979 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Application / Processing Credit Open   1 26781980 Missing Document: Missing Final 1003             Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Closing / Title Compliance Open   3 26781981 Missing Document: Note - Subject Lien not provided             Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Loan File Compliance Open   3 26781982 (Missing Doc) Incomplete loan images/file   File contains only a security instrument and post closing documenation.         Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Closing / Title Compliance Open   3 26781983 Missing Final HUD-1             Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Closing / Title Compliance Open   2 26781984 TILA - Final TIL Missing             Provide missing documentation
275065206 XXX XXX XXX XXX     9/XX/2001 NC $XXX Loan Review Complete 2020-09-25 15:45:37.000000 Loan Package Documentation Application / Processing Credit Open   3 26781985 Missing Valuation:   Appraisal not provided         Provide missing documentation
275065165 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 NJ $XXX Loan Review Complete 2019-05-12 15:30:16.000000 Compliance Federal Compliance Compliance Open   1 26782039 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065165 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 NJ $XXX Loan Review Complete 2019-05-12 15:30:16.000000 Compliance Federal Compliance Compliance Open   2 26782040 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 11/XX/2006.           Provide missing documentation
275065165 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2006 NJ $XXX Loan Review Complete 2019-05-12 15:30:16.000000 Compliance Federal Compliance Compliance Open   2 26782041 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The TIL itemization did not disclose a notice of settlement fee of $XXX or tax cert fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065218 XXX XXX XXX XXX Purchase Primary 1/XX/2005 MI $XXX Loan Review Complete 2019-05-23 11:28:40.000000 Compliance State Compliance Compliance Open   2 26782062 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per MI state - max prepayment charge for loan is 1% - note states 3%.  Lender is XXX.          
275065218 XXX XXX XXX XXX Purchase Primary 1/XX/2005 MI $XXX Loan Review Complete 2019-05-23 11:28:40.000000 Compliance Federal Compliance Compliance Open   2 26782063 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 12/XX/2004.           Provide missing documentation
275065218 XXX XXX XXX XXX Purchase Primary 1/XX/2005 MI $XXX Loan Review Complete 2019-05-23 11:28:40.000000 Compliance Federal Compliance Compliance Open   2 26782064 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065218 XXX XXX XXX XXX Purchase Primary 1/XX/2005 MI $XXX Loan Review Complete 2019-05-23 11:28:40.000000 Compliance Federal Compliance Compliance Open   2 26782065 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Loan Package Documentation Application / Processing Credit Open   1 26782136 Missing Document: Missing Final 1003             Provide missing documentation
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Compliance Federal Compliance Compliance Open   2 26782137 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Compliance Federal Compliance Compliance Open   2 26782138 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Compliance Federal Compliance Compliance Open   2 26782139 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Compliance Federal Compliance Compliance Open   2 26782140 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065115 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 2019-11-18 15:11:04.000000 Compliance Federal Compliance Compliance Open   2 26782141 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065138 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 3/XX/2008 NJ $XXX Loan Review Complete 2020-03-03 14:03:04.000000 Compliance Federal Compliance Compliance Open   2 26782210 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 2016-10-10 12:06:02.000000 Loan Package Documentation Application / Processing Credit Open   1 26782222 Missing Document: Missing Final 1003             Provide missing documentation
275065150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 2016-10-10 12:06:02.000000 Compliance Federal Compliance Compliance Open   2 26782223 Initial Loan Application Status Test No evidence of application date located in file.  Compliance tests were run using an application date of 5/XX/2005 which is 1 month(s) prior to consummation.  A 7 month lookback was used to determine this application date.            
275065150 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 2016-10-10 12:06:02.000000 Compliance State Compliance Compliance Open   2 26782224 Georgia Home Loan (Arbitration Clause) Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.            
275065144 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2008 NY $XXX Loan Review Complete 2022-06-23 15:58:32.000000 Compliance Federal Compliance Compliance Open   2 26782327 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26782317 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26782318 SAFE Act - LO Company NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act:  Loan Originator Organization NMLS information on loan documents does not match NMLS.            
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26782319 SAFE Act - Individual LO not licensed at time of application Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.            
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26782320 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance Federal Compliance Compliance Open   2 26782321 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065222 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2012 MA $XXX Loan Review Complete 2020-08-17 14:07:26.000000 Compliance State Compliance Compliance Open   2 26782322 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275065161 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 AR $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26782323 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065161 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 AR $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26782324 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065161 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 AR $XXX Loan Review Complete 2020-10-01 12:59:13.000000 Compliance Federal Compliance Compliance Open   2 26782325 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Loan Package Documentation Application / Processing Credit Open   1 26782333 Missing Document: Missing Final 1003             Provide missing documentation
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782334 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782335 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782336 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782337 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782338 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782339 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782340 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782341 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782342 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782343 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065130 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2013 LA $XXX Loan Review Complete 2020-09-24 10:12:01.000000 Compliance Federal Compliance Compliance Open   2 26782344 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclosure a service fee of $XXX a closing protection letter fee of $XXX or a courier fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782393 (Doc Error) Initial GFE not provided              
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26782394 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Loan Package Documentation Closing / Title Credit Open   2 26782395 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26782396 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1997 used as disbursement date for compliance testing.           Provide missing documentation
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance State Compliance Compliance Open   2 26782397 Mississippi Prepayment Penalty Mississippi Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% [in Years 1-5]. Loan contracts for prepay percentages of 5.00000%, 5.00000%, 5.00000%,   which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26782398 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 10.16000% is underdisclosed from calculated APR of 10.85869% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065220 XXX XXX XXX XXX Purchase Primary 9/XX/1997 MS $XXX Loan Review Complete 2022-07-07 20:59:23.000000 Compliance Federal Compliance Compliance Open   2 26782399 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Under Disclosure appears to be due to payment stream and Note being an FLI payment stream         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 26782440 (Doc Error) TIL Error: Borrower signature not dated.              
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Loan Package Documentation Closing / Title Compliance Open   2 26782441 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Compliance Federal Compliance Compliance Open   2 26782442 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 10/XX/2004.           Provide missing documentation
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Compliance Federal Compliance Compliance Open   2 26782443 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Compliance Federal Compliance Compliance Open   2 26782444 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065315 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 2018-08-31 21:14:50.000000 Compliance Federal Compliance Compliance Open   2 26782445 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065231 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 VA $XXX Loan Review Complete 2019-02-12 19:25:35.000000 Loan Package Documentation Application / Processing Credit Open   1 26782470 Missing Document: Missing Final 1003             Provide missing documentation
275065231 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 VA $XXX Loan Review Complete 2019-02-12 19:25:35.000000 Compliance Federal Compliance Compliance Open   2 26782471 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065231 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 VA $XXX Loan Review Complete 2019-02-12 19:25:35.000000 Compliance Federal Compliance Compliance Open   2 26782472 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Approval indicates the Index used was 2.78%. The lowest Index available within the look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065231 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 VA $XXX Loan Review Complete 2019-02-12 19:25:35.000000 Compliance Federal Compliance Compliance Open   2 26782473 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 09/XX/2005.           Provide missing documentation
275065231 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 VA $XXX Loan Review Complete 2019-02-12 19:25:35.000000 Compliance Federal Compliance Compliance Open   2 26782474 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065236 XXX XXX XXX XXX Purchase Primary 11/XX/2003 KS $XXX Loan Review Complete 2019-12-19 14:14:17.000000 Credit Credit Documentation Credit Open   3 26782525 Missing Document: Credit Report not provided             Provide missing documentation
275065254 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26782612 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065254 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26782613 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065254 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26782614 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065254 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 2020-03-20 10:27:40.000000 Compliance Federal Compliance Compliance Open   2 26782615 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065246 XXX XXX XXX XXX Purchase Primary 5/XX/2002 NC $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26782659 Missing Document: Missing Final 1003             Provide missing documentation
275065246 XXX XXX XXX XXX Purchase Primary 5/XX/2002 NC $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26782660 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26782667 Missing Document: Missing Final 1003             Provide missing documentation
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26782668 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26782669 Missing Document: Appraisal not provided             Provide missing documentation
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782670 (Doc Error) Initial GFE not provided              
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26782671 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065242 XXX XXX XXX XXX Purchase Primary 8/XX/2000 TX $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26782672 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065240 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/1993 ID $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26782676 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the admin fee of $XXX assignment recording fee of $XXX flood cert fee of $XXX or the settlement fee of $XXX as prepaid finance charges. Itemization disclosed the prepaid interest as $XXX and audit disclosed $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065247 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CO $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26782677 Missing Document: Missing Final 1003             Provide missing documentation
275065247 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 CO $XXX Loan Review Complete 2020-04-14 12:54:31.000000 Compliance Federal Compliance Compliance Open   2 26782678 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065267 XXX XXX XXX XXX Purchase Primary 1/XX/2008 AR $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26782706 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065267 XXX XXX XXX XXX Purchase Primary 1/XX/2008 AR $XXX Loan Review Complete 2020-03-05 11:35:15.000000 Compliance Federal Compliance Compliance Open   2 26782707 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065241 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 MN $XXX Loan Review Complete 2020-04-29 08:33:49.000000 Compliance Federal Compliance Compliance Open   2 26782726 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine the fee under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065245 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 GA $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Federal Compliance Compliance Open   2 26782760 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065245 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 GA $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Federal Compliance Compliance Open   2 26782761 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065243 XXX XXX XXX XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 2020-05-14 07:29:33.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782807 Initial TIL not provided              
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Loan Package Documentation Application / Processing Credit Open   1 26782815 Missing Document: Missing Final 1003             Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26782816 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26782817 Missing Document: Appraisal not provided             Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782818 (Doc Error) Initial GFE not provided              
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782819 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26782820 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26782821 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   3 26782822 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26782823 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26782824 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26782825 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065251 XXX XXX XXX XXX UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 2020-05-21 09:43:01.000000 Compliance Federal Compliance Compliance Open   2 26782826 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065283 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 AZ $XXX Loan Review Complete 2020-04-01 08:13:01.000000 Compliance Federal Compliance Compliance Open   1 26782876 Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone.           Provide missing documentation
275065283 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 AZ $XXX Loan Review Complete 2020-04-01 08:13:01.000000 Compliance Federal Compliance Compliance Open   2 26782877 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065283 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 AZ $XXX Loan Review Complete 2020-04-01 08:13:01.000000 Compliance Federal Compliance Compliance Open   3 26782878 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065283 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 AZ $XXX Loan Review Complete 2020-04-01 08:13:01.000000 Compliance Federal Compliance Compliance Open   2 26782879 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065283 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 AZ $XXX Loan Review Complete 2020-04-01 08:13:01.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782880 (Doc Error) Initial GFE not provided              
275065272 XXX XXX XXX XXX Purchase Primary 9/XX/2005 IL $XXX Loan Review Complete 2018-10-10 17:08:32.000000 Compliance Federal Compliance Compliance Open   1 26782891 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065272 XXX XXX XXX XXX Purchase Primary 9/XX/2005 IL $XXX Loan Review Complete 2018-10-10 17:08:32.000000 Compliance Federal Compliance Compliance Open   2 26782892 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 05/XX/2005.           Provide missing documentation
275065272 XXX XXX XXX XXX Purchase Primary 9/XX/2005 IL $XXX Loan Review Complete 2018-10-10 17:08:32.000000 Compliance Federal Compliance Compliance Open   2 26782893 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065272 XXX XXX XXX XXX Purchase Primary 9/XX/2005 IL $XXX Loan Review Complete 2018-10-10 17:08:32.000000 Compliance Federal Compliance Compliance Open   2 26782894 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065271 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2018-10-08 13:12:05.000000 Loan Package Documentation Application / Processing Credit Open   1 26782895 Missing Document: Missing Final 1003   missing final 1003         Provide missing documentation
275065271 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2018-10-08 13:12:05.000000 Compliance Federal Compliance Compliance Open   1 26782897 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065271 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2018-10-08 13:12:05.000000 Compliance Federal Compliance Compliance Open   2 26782898 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 04/XX/2005.           Provide missing documentation
275065271 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2018-10-08 13:12:05.000000 Compliance Federal Compliance Compliance Open   2 26782899 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065271 XXX XXX XXX XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 2018-10-08 13:12:05.000000 Compliance Federal Compliance Compliance Open   2 26782900 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Loan Package Documentation Application / Processing Credit Open   1 26782901 Missing Document: Missing Final 1003             Provide missing documentation
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26782902 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782903 (Doc Error) Initial GFE not provided              
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782904 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   3 26782905 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782906 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 01/XX/2005.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782907 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782908 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782909 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065275 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2005 WA $XXX Loan Review Complete 2019-07-18 18:44:45.000000 Compliance Federal Compliance Compliance Open   2 26782910 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065280 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OR $XXX Loan Review Complete 2019-09-30 17:33:47.000000 Compliance Miscellaneous Compliance Compliance Open   2 26782912 (Doc Error) Initial GFE not provided              
275065280 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OR $XXX Loan Review Complete 2019-09-30 17:33:47.000000 Compliance Federal Compliance Compliance Open   2 26782913 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065280 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OR $XXX Loan Review Complete 2019-09-30 17:33:47.000000 Compliance Federal Compliance Compliance Open   2 26782914 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065280 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OR $XXX Loan Review Complete 2019-09-30 17:33:47.000000 Compliance Federal Compliance Compliance Open   2 26782915 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065280 XXX XXX XXX XXX Purchase Primary 5/XX/2003 OR $XXX Loan Review Complete 2019-09-30 17:33:47.000000 Compliance Federal Compliance Compliance Open   2 26782916 Payment Stream Variance: Final Truth In Lending Disclosure has incorrect payment stream.   Final TiL does not reflect an adjustable payment stream as disclosed on the Note.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Loan Package Documentation Application / Processing Credit Open   1 26783017 Missing Document: Missing Final 1003             Provide missing documentation
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26783018 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Loan Package Documentation Closing / Title Credit Open   1 26783019 Final Title Policy is missing.  No evidence of title was found in file.             Provide missing documentation
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783020 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783021 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 03/XX/2006.           Provide missing documentation
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783022 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783023 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783024 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065305 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 2018-03-06 09:14:31.000000 Compliance Federal Compliance Compliance Open   2 26783026 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275065299 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NH $XXX Loan Review Complete 2020-01-17 14:51:43.000000 Compliance Federal Compliance Compliance Open   2 26783031 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065299 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2005 NH $XXX Loan Review Complete 2020-01-17 14:51:43.000000 Compliance Federal Compliance Compliance Open   3 26783032 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065303 XXX XXX XXX XXX Purchase Primary 11/XX/2005 MI $XXX Loan Review Complete 2021-07-01 12:53:39.000000 Compliance Miscellaneous Compliance Compliance Open   2 26783053 (Doc Error) Initial GFE not provided              
275065307 XXX XXX XXX XXX Purchase Primary 8/XX/2011 MN $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26783083 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065307 XXX XXX XXX XXX Purchase Primary 8/XX/2011 MN $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26783084 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065307 XXX XXX XXX XXX Purchase Primary 8/XX/2011 MN $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26783085 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065307 XXX XXX XXX XXX Purchase Primary 8/XX/2011 MN $XXX Loan Review Complete 2021-05-18 14:53:51.000000 Compliance Federal Compliance Compliance Open   2 26783086 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065233 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 9/XX/2006 FL $XXX Loan Review Complete 2019-07-19 10:52:44.000000 Compliance Federal Compliance Compliance Open   2 26783088 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065233 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 9/XX/2006 FL $XXX Loan Review Complete 2019-07-19 10:52:44.000000 Loan Package Documentation Application / Processing Credit Open   1 26783089 Missing Document: Missing Final 1003             Provide missing documentation
275065233 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 9/XX/2006 FL $XXX Loan Review Complete 2019-07-19 10:52:44.000000 Compliance Federal Compliance Compliance Open   2 26783090 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.  The final date used for testing was 07/XX/2006.           Provide missing documentation
275065233 XXX XXX XXX XXX Refinance Cash-out - Home Improvement Primary 9/XX/2006 FL $XXX Loan Review Complete 2019-07-19 10:52:44.000000 Compliance Federal Compliance Compliance Open   2 26783091 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065016 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NJ $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26783572 Missing Document: Missing Final 1003             Provide missing documentation
275065016 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NJ $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26783573 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065016 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NJ $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26783574 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26783602 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Miscellaneous Compliance Compliance Open   2 26783603 (Doc Error) Initial GFE not provided              
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Loan Package Documentation Application / Processing Credit Open   1 26783604 Missing Document: Missing Final 1003             Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783605 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   3 26783606 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783607 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783608 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065019 XXX XXX XXX XXX Refinance UTD Primary 9/XX/2002 NC $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783609 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065023 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26783722 Missing Document: Missing Final 1003             Provide missing documentation
275065023 XXX XXX XXX XXX Purchase Primary 6/XX/2003 FL $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26783723 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065026 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 NY $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783797 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the subordination recording fee of $XXX as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26783806 Missing Document: Missing Final 1003             Provide missing documentation
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26783807 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26783808 Missing Document: Appraisal not provided             Provide missing documentation
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26783809 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26783810 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065027 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2003 TN $XXX Loan Review Complete 2022-02-22 11:35:08.000000 Compliance Federal Compliance Compliance Open   2 26783812 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065029 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 OK $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26783845 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065031 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 CO $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26783897 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275065035 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 RI $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784140 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065036 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 KY $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784203 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065036 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 KY $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784204 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
275065036 XXX XXX XXX XXX Refinance Cash-out - Other Primary 11/XX/2005 KY $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784205 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065039 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Loan Package Documentation Application / Processing Credit Open   1 26784251 Missing Document: Missing Final 1003             Provide missing documentation
275065039 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26784252 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065039 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 2022-02-15 15:00:58.000000 Compliance Federal Compliance Compliance Open   2 26784253 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065042 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784267 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065042 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784268 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065042 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784269 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065043 XXX XXX XXX XXX Purchase Primary 5/XX/2006 NC $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784285 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065044 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Loan Package Documentation Application / Processing Credit Open   1 26784305 Missing Document: Missing Final 1003             Provide missing documentation
275065044 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Loan Package Documentation Closing / Title Compliance Open   2 26784306 (Doc Error) TIL Error: Borrower signature not dated.              
275065044 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784307 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065044 XXX XXX XXX XXX Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 2022-03-01 13:47:08.000000 Compliance Federal Compliance Compliance Open   2 26784308 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065048 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NC $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Loan Package Documentation Application / Processing Credit Open   1 26784397 Missing Document: Missing Final 1003             Provide missing documentation
275065048 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NC $XXX Loan Review Complete 2022-03-15 12:45:35.000000 Compliance Federal Compliance Compliance Open   2 26784398 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065055 XXX XXX XXX XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784490 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065055 XXX XXX XXX XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26784491 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2007           Provide missing documentation
275065055 XXX XXX XXX XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784492 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date
but is not signed or dated by borrower so cannot confirm that borrower received.		          
275065057 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784526 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065057 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Loan Package Documentation Closing / Title Compliance Open   2 26784527 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
275065057 XXX XXX XXX XXX Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784528 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
275065058 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 SC $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784542 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065058 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 SC $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784543 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065058 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 SC $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784544 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065058 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 SC $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance State Compliance Compliance Open   2 26784545 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
275065061 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 KY $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Loan Package Documentation Application / Processing Credit Open   1 26784600 Missing Document: Missing Final 1003             Provide missing documentation
275065061 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2008 KY $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784601 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065003 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2009 MA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Compliance Federal Compliance Compliance Open   2 26784672 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).            
275065003 XXX XXX XXX XXX Refinance Cash-out - Other Investment 9/XX/2009 MA $XXX Loan Review Complete 2022-03-21 14:16:06.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26784673 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784783 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784784 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784785 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784786 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784787 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act:  Final TIL APR of 4.42700% is underdisclosed from calculated APR of 4.61617% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
275065066 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2011 TX $XXX Loan Review Complete 2022-03-22 11:47:29.000000 Compliance Federal Compliance Compliance Open   2 26784788 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065068 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2011 CA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26784866 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065068 XXX XXX XXX XXX Refinance Rate/Term Investment 8/XX/2011 CA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784867 Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).            
275065070 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2012 MA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784882 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065070 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2012 MA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance State Compliance Compliance Open   2 26784883 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
275065070 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2012 MA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance State Compliance Compliance Open   2 26784884 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
275065070 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2012 MA $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26784885 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Loan Package Documentation Application / Processing Credit Open   1 26784907 Missing Document: Missing Final 1003             Provide missing documentation
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784908 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784909 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784910 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784911 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784912 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784913 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784914 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784915 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784916 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784917 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784918 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065069 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2012 NY $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784919 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Loan Package Documentation Application / Processing Credit Open   1 26784925 Missing Document: Missing Final 1003             Provide missing documentation
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784926 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784927 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784928 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784929 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784930 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784931 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784932 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784933 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784934 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784935 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784936 RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers.           Provide missing documentation
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784937 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance State Compliance Compliance Open   2 26784938 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance State Compliance Compliance Open   2 26784939 Maryland Ability to Repay Not Verified Maryland SB270:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784940 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784941 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065071 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2012 MD $XXX Loan Review Complete 2022-03-28 11:05:13.000000 Compliance Federal Compliance Compliance Open   2 26784942 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26785184 Missing Document: Missing Final 1003             Provide missing documentation
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   1 26785185 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785186 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785187 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785188 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785189 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785190 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785191 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785192 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785193 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785194 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785195 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785196 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
275065072 XXX XXX XXX XXX Refinance Rate/Term Primary 11/XX/2012 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785197 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26785411 Missing Document: Missing Final 1003             Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785412 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785413 (TX50(a)(6)) Texas Cash-out Loan  (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.           Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785414 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785415 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785416 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785417 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26785418 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065079 XXX XXX XXX XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Title Lien Credit Open   3 26785419 Missing evidence of lien position on Other Financing. Lien Position: 2           Provide missing documentation
275065080 XXX XXX XXX XXX Refinance Rate/Term Investment 11/XX/2013 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785440 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26785469 Missing Document: Missing Final 1003             Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785470 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785471 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785472 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785473 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785474 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785475 RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785476 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785477 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785478 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785479 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785480 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785481 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785482 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Miscellaneous Compliance Compliance Open   2 26785483 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
275065081 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 NY $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785484 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Loan Package Documentation Application / Processing Credit Open   1 26785504 Missing Document: Missing Final 1003             Provide missing documentation
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785505 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785506 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785507 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785508 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785509 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785510 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785511 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065082 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2014 CA $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785512 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065102 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2013 IL $XXX Loan Review Complete 2022-04-05 10:45:46.000000 Compliance Federal Compliance Compliance Open   2 26785737 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065005 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NJ $XXX Loan Review Complete 2019-01-25 14:14:01.000000 Compliance Federal Compliance Compliance Open   2 26785755 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a $XXX assignment recording fee and a $XXX courier fee as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065024 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 2022-01-14 09:45:51.000000 Compliance Federal Compliance Compliance Open   2 26785867 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The Itemization of Amount Financed does not include the $XXX Courier fee in the Prepaid Finance Charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065056 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 2020-02-19 18:13:16.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26785870 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2007           Provide missing documentation
275065056 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 2020-02-19 18:13:47.000000 Compliance Federal Compliance Compliance Open   2 26785871 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065056 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 2020-02-19 18:13:47.000000 Compliance Federal Compliance Compliance Open   2 26785872 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065034 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 2020-01-21 14:48:06.000000 Compliance Federal Compliance Compliance Open   2 26785874 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065034 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 2020-01-21 14:48:06.000000 Compliance Federal Compliance Compliance Open   2 26785875 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065097 XXX XXX XXX XXX Purchase Primary 4/XX/2006 MI $XXX Loan Review Complete 2020-03-31 18:34:25.000000 Compliance Federal Compliance Compliance Open   2 26785920 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065020 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 OK $XXX Loan Review Complete 2020-02-05 18:12:21.000000 Loan Package Documentation Application / Processing Credit Open   1 26785968 Missing Document: Missing Final 1003             Provide missing documentation
275065020 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 OK $XXX Loan Review Complete 2020-02-05 18:13:08.000000 Credit Credit Documentation Credit Open   3 26785969 Missing Document: Credit Report not provided             Provide missing documentation
275065020 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2002 OK $XXX Loan Review Complete 2020-02-05 18:20:54.000000 Compliance Federal Compliance Compliance Open   2 26785970 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:20:43.000000 Loan Package Documentation Application / Processing Credit Open   1 26785971 Missing Document: Missing Final 1003             Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:29:48.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26785972 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:30:06.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26785973 Missing Document: Appraisal not provided             Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:30:11.000000 Compliance Miscellaneous Compliance Compliance Open   2 26785974 (Doc Error) Initial GFE not provided              
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:31:29.000000 Compliance Federal Compliance Compliance Open   2 26785975 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1997 used as disbursement date for compliance testing.           Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:31:29.000000 Compliance Federal Compliance Compliance Open   3 26785976 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:31:29.000000 Compliance Federal Compliance Compliance Open   2 26785977 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/1997 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065006 XXX XXX XXX XXX Purchase Primary 11/XX/1997 MO $XXX Loan Review Complete 2020-02-25 13:31:29.000000 Compliance Federal Compliance Compliance Open   2 26785978 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065064 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 2020-02-07 14:20:28.000000 Loan Package Documentation Closing / Title Compliance Open   2 26786022 (Doc Error) TIL Error: Borrower signature not dated.              
275065064 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 2020-02-07 14:29:25.000000 Compliance Federal Compliance Compliance Open   2 26786023 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
275065064 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 2020-02-07 14:29:25.000000 Compliance Federal Compliance Compliance Open   2 26786024 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065064 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 2020-02-07 14:29:25.000000 Compliance Federal Compliance Compliance Open   2 26786025 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:06:32.000000 Loan Package Documentation Application / Processing Credit Open   1 26786073 Missing Document: Missing Final 1003             Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:23:36.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 26786074 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:24:47.000000 Compliance Miscellaneous Compliance Compliance Open   2 26786075 (Doc Error) Initial GFE not provided              
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:27:59.000000 Compliance Federal Compliance Compliance Open   2 26786076 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:27:59.000000 Compliance Federal Compliance Compliance Open   3 26786077 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:27:59.000000 Compliance Federal Compliance Compliance Open   2 26786078 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation.  A lookback was performed to determine this application date.   The final date used for testing was 03/XX/2002.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-02-25 17:27:59.000000 Compliance Federal Compliance Compliance Open   2 26786079 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-03-06 08:11:31.000000 Credit Credit Documentation Credit Open   3 26786080 Missing Document: Credit Report not provided             Provide missing documentation
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-03-06 08:21:47.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 26786081 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065018 XXX XXX XXX XXX Purchase Primary 9/XX/2002 TX $XXX Loan Review Complete 2019-03-06 08:22:09.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26786082 Missing Document: Appraisal not provided             Provide missing documentation
275065051 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Loan Review Complete 2020-05-05 13:31:36.000000 Compliance Federal Compliance Compliance Open   2 26786129 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065051 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2007 GA $XXX Loan Review Complete 2020-05-05 13:38:12.000000 Compliance Federal Compliance Compliance Open   2 26786130 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275065094 XXX XXX XXX XXX Purchase Primary 2/XX/2003 FL $XXX Loan Review Complete 2019-03-01 15:12:31.000000 Compliance Federal Compliance Compliance Open   2 26786173 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065065 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-03-24 20:55:31.000000 Compliance Federal Compliance Compliance Open   2 26786186 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065065 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-03-26 07:08:00.000000 Compliance Federal Compliance Compliance Open   2 26786187 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065065 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-03-26 07:08:00.000000 Compliance Federal Compliance Compliance Open   2 26786188 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275065065 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 2021-03-26 07:08:18.000000 Property - Appraisal Appraisal Documentation Credit Open   3 26786189 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 10:56:59.000000 Loan Package Documentation Application / Processing Credit Open   1 26786210 Missing Document: Missing Final 1003             Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786211 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   3 26786212 Missing Final HUD-1:  No Document Used For Fee Testing Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786213 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786214 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance State Compliance Compliance Open   2 26786215 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXX).            
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786216 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786217 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065002 XXX XXX XXX XXX Refinance UTD Primary 3/XX/2007 MD $XXX Loan Review Complete 2021-04-03 11:01:23.000000 Compliance Federal Compliance Compliance Open   2 26786218 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065096 XXX XXX XXX XXX Purchase Primary 7/XX/2004 FL $XXX Loan Review Complete 2021-08-25 09:15:55.000000 Compliance Miscellaneous Compliance Compliance Open   2 26786264 (Doc Error) Initial GFE not provided              
275065096 XXX XXX XXX XXX Purchase Primary 7/XX/2004 FL $XXX Loan Review Complete 2021-08-25 09:19:18.000000 Compliance Federal Compliance Compliance Open   2 26786265 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065096 XXX XXX XXX XXX Purchase Primary 7/XX/2004 FL $XXX Loan Review Complete 2021-08-25 09:19:18.000000 Compliance Federal Compliance Compliance Open   2 26786266 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Compliance Federal Compliance Compliance Open   2 27391005 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7520) Evidence of valid CoC or sufficient cure for increased credit report fee 124.71 from baseline $XXX is not provided.  A cure of $XXX was provided on final CD.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Compliance Federal Compliance Compliance Open   2 27391006 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (8304) Seller paid transfer tax reflected on the Seller CD was not previously disclosed.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 27391008 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of $XXX is less than AUS qualifying asset balance of $XXX. Missing Final CD/HUD-1 from sale of departing primary residence which would provide additional assets needed. The sales proceeds of $XXX was submitted for DU Approval as verified assets for funds to close.          
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Asset Asset Documentation Credit Open   3 27391009 Asset documentation requirements not met.   Missing Final CD/HUD-1 from sale of departing primary residence which would provide additional assets needed. The sales proceeds of $XXX was submitted for DU Approval as verified assets for funds to close.          
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Credit Credit Eligibility Credit Open   2 27391010 Public Record Issue: Credit Report: Original // Public Record Type: Judgments / Balance: 2619.00 Borrower's credit report reflects an open judgment in the amount of $XXX. Evidence the judgment has been paid in full prior to or at closing as required per DU Approval is not provided.          
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Compliance Federal Compliance Compliance Open   2 27391011 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/10645964) Waterfall exception  due to DU approval conditions not met. Asset and public record conditions are not met.          
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Compliance Federal Compliance Compliance Open   3 27391012 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Waterfall exception  due to DU approval conditions not met. Asset and public record conditions are not met.         Lender to provide updated ATR/QM status
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Compliance Federal Compliance Compliance Open   3 27391013 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Waterfall exception  due to DU approval conditions not met. Asset and public record conditions are not met.          
275065347 XXX XXX XXX XXX Purchase Primary 11/XX/2016 MI $XXX Loan Review Complete 2022-06-15 15:41:54.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 27391014 AUS/Guideline Findings: All conditions were not met   DU approval requirements for Assets and public record are not met.          
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Loan Package Documentation Application / Processing Compliance Open   1 27391015 Missing Document: Missing Lender's Initial 1003   Missing a signed and dated initial 1003.         Provide missing documentation
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Loan Package Documentation Application / Processing Credit Open   3 27391016 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided             Provide missing documentation
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Compliance Federal Compliance Compliance Open   2 27391017 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 07/XX/2016). (Final/07/XX/2016) Final Closing Disclosure reflects Finance Charge of $XXX, less than calculated Finance Charge is $XXX by $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Compliance Federal Compliance Compliance Open   2 27391018 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2016 which is 1 months prior to consummation. A lookback was performed to determine this application date. Missing a copy of the signed and dated initial 1003.         Provide missing documentation
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Compliance Federal Compliance Compliance Open   2 27391019 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. Missing a copy of the signed and dated initial 1003.         Provide missing documentation
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Compliance Federal Compliance Compliance Open   2 27391020 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing a copy of the signed and dated initial 1003.          
275065328 XXX XXX XXX XXX Refinance Limited Cash-out GSE Primary 7/XX/2016 CA $XXX Loan Review Complete 2022-06-21 19:52:52.000000 Compliance Federal Compliance Compliance Cured 06/17/2022 1 27391021 TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (0)         (2022/XX/17): Sufficient Cure Provided At Closing Final CD evidences Cure
275065331 XXX XXX XXX XXX Purchase Investment 1/XX/2018 IL $XXX Loan Review Complete 2022-06-08 16:41:59.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 27391022 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 54.66768% exceeds AUS total debt ratio of 46.28000%. Lender included $XXX "other" income to qualify, verified as grossed up parsonage from employer. Letter from borrower states parsonage increased to from $XXX a month to $XXX in 2018, however paystub in file still reflects $XXX. File contains no third party verification of increase other than letter from the borrower, therefore $XXX or $XXX grossed up.          
275065346 XXX XXX XXX XXX Purchase Primary 9/XX/2016 MO $XXX Loan Review Complete 2022-06-02 15:31:38.000000 Compliance Federal Compliance Compliance Open   2 27391069 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7525) No COC or cure was provided to the borrower for tolerance overages         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Compliance Federal Compliance Compliance Open   2 27391079 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2015, prior to three (3) business days from transaction date of 12/XX/2015.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Compliance Federal Compliance Compliance Open   2 27391080 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Loan Package Documentation Application / Processing Compliance Open   1 27391081 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Loan Package Documentation Application / Processing Credit Open   3 27391082 Missing Document: Fraud Report not provided             Provide missing documentation
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Credit Credit Documentation Credit Open   3 27391083 No evidence of fraud report in file Credit Report: Original // Borrower: XXX            
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 27391084 Missing Document: Note - Subordinate Lien not provided   Missing subordinate lien documentation along with subordination agreement.         Provide missing documentation
275065335 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2015 TX $XXX Loan Review Complete 2022-06-28 13:33:04.000000 Loan Package Documentation Application / Processing Credit Open   1 27391085 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/XX/2015                 
Disaster End Date: 02/XX/2021
Disaster Name: XXX
Disaster Declaration Date: 02/XX/2021		            
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Missing Document General Credit Open   2 27391177 Missing Document: Donor Check not provided     The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Missing Document General Credit Open   2 27391178 Missing Document: Source of Funds/Deposit not provided     The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient. Provide missing documentation
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391179 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7200) The loan discount fee in the amount of $XXX exceeds the zero percent tolerance with no cure provided to the borrower at the time of closing         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Cleared 06/19/2023 1 27391180 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. Due to the missing source of gift funds       (2023/XX/19): Exception has been cleared.  Loan designation was restated by client. Lender to provide updated ATR/QM status
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Asset Asset Documentation Credit Open   2 27391182 Asset documentation requirements not met.   Due to the missing source of gift funds The qualifying DTI on the loan is less than or equal to 35%.     (2023/XX/27): Exception re-grade to EV2. Compensating factor is sufficient.  
275065337 XXX XXX XXX XXX Purchase Primary 10/XX/2016 MO $XXX Loan Review Complete 2023-06-19 18:03:31.000000 Compliance Federal Compliance Compliance Open   2 28622709 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Loan designation was restated by client.         Lender to provide updated ATR/QM status
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Loan Package Documentation Loan File Credit Open   3 27391204 Missing Document: Hazard Insurance Policy not provided             Provide missing documentation
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 27391205 AUS/Guideline Findings: All conditions were not met   The file does not contain an AUS to indicate the required conditions.          
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   3 27391206 XXX Documentation Qualified Mortgage (Dodd-Frank 2014): XXX income documentation insufficient. (XXX XXX/Pension)            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   3 27391207 XXX Documentation Qualified Mortgage (Dodd-Frank 2014): XXX income documentation insufficient. (XXX XXX/XXX)            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   3 27391208 XXX Documentation Qualified Mortgage (Dodd-Frank 2014): XXX income documentation insufficient. (XXX XXX/XXX)            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391209 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391210 NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391211 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391212 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391213 RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391214 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391215 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391216 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391217 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   3 27391218 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. This exception will clear when other exceptions are cleared.         Lender to provide updated ATR/QM status
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391219 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. The Initial Loan application is missing.          
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391220 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. The Initial Loan application is missing.          
275065344 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2014 DC $XXX Loan Review Complete 2022-07-01 13:55:33.000000 Compliance Federal Compliance Compliance Open   2 27391221 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065342 XXX XXX XXX XXX Purchase Primary 2/XX/2012 MN $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391315 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065342 XXX XXX XXX XXX Purchase Primary 2/XX/2012 MN $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391316 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065340 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391312 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065340 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391313 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065340 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391314 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Loan Package Documentation Application / Processing Credit Open   1 27391409 Missing Document: Missing Final 1003             Provide missing documentation
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 27391410 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Miscellaneous Compliance Compliance Open   2 27391411 (Doc Error) Initial GFE not provided              
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391412 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391413 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391414 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391415 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391416 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Compliance Federal Compliance Compliance Open   2 27391417 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065345 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 PA $XXX Loan Review Complete 2022-06-07 11:01:59.000000 Property - Appraisal Appraisal Documentation Credit Open   3 27391418 Missing Document: Appraisal not provided             Provide missing documentation
275065341 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2011 CA $XXX Loan Review Complete 2022-06-27 15:00:42.000000 Loan Package Documentation Application / Processing Credit Open   1 27391528 Missing Document: Missing Final 1003             Provide missing documentation
275065341 XXX XXX XXX XXX Refinance Rate/Term Investment 1/XX/2011 CA $XXX Loan Review Complete 2022-06-27 15:00:42.000000 Compliance Federal Compliance Compliance Open   2 27391529 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065334 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2002 CA $XXX Loan Review Complete 2022-05-31 11:46:10.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 27391660 Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. Valuation Type: Drive By / Valuation Report Date: 12/XX/2001 Condo (Low Rise)            
275065334 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2002 CA $XXX Loan Review Complete 2022-05-31 11:46:10.000000 Compliance Federal Compliance Compliance Open   2 27391661 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275065334 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2002 CA $XXX Loan Review Complete 2022-05-31 11:46:10.000000 Compliance Federal Compliance Compliance Open   2 27391662 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 03/XX/2002, prior to three (3) business days from transaction date of 03/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065334 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2002 CA $XXX Loan Review Complete 2022-05-31 11:46:10.000000 Compliance Federal Compliance Compliance Open   2 27391663 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275065336 XXX XXX XXX XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391723 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065338 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Loan Package Documentation Closing / Title Credit Open   2 27391729 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275065338 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Property - Appraisal Appraisal Documentation Credit Open   3 27391730 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2004           Provide missing documentation
275065329 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NY $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Property - Appraisal Appraisal Documentation Credit Open   3 27391796 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065329 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NY $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391797 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065329 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NY $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391798 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065329 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2010 NY $XXX Loan Review Complete 2022-06-14 08:53:41.000000 HUD Document Error Compliance Open   2 27391799 HUD form type is Post-2010, GFE form type is Pre-2010  and creditor application date is before January 1, 2010. Creditor Application Date:  11/XX/2009            
275065330 XXX XXX XXX XXX Refinance Rate/Term Primary 3/XX/2011 VA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391830 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065339 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 VA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Loan Package Documentation Application / Processing Credit Open   1 27391872 Missing Document: Missing Final 1003             Provide missing documentation
275065339 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 VA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Property - Appraisal Appraisal Documentation Credit Open   3 27391873 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2011           Provide missing documentation
275065339 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 VA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391874 RESPA (2010) – Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
275065339 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2011 VA $XXX Loan Review Complete 2022-06-14 08:53:41.000000 Compliance Federal Compliance Compliance Open   2 27391875 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Loan Package Documentation Application / Processing Credit Open   1 27391932 Missing Document: Missing Final 1003             Provide missing documentation
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Property - Appraisal Appraisal Documentation Credit Open   3 27391933 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2011           Provide missing documentation
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 27391934 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 27391935 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 27391936 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 27391937 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
275065327 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2011 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 27391938 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Loan Package Documentation Closing / Title Compliance Open   2 27392058 (Doc Error) TIL Error: Final TIL not signed by all required parties   Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.          
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Miscellaneous Compliance Compliance Open   2 27392059 (Doc Error) Initial GFE not provided              
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392060 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392061 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392062 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392063 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392064 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392065 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392066 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Compliance Federal Compliance Compliance Open   2 27392067 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065343 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2010 VA $XXX Loan Review Complete 2019-08-09 08:11:30.000000 Credit Credit Documentation Credit Open   3 27392068 Missing Document: Credit Report not provided             Provide missing documentation
275065332 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 28103298 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065332 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 28103299 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065332 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2013 CT $XXX Loan Review Complete 2022-07-12 15:12:39.000000 Compliance Federal Compliance Compliance Open   2 28103300 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
275065350 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2016 WA $XXX Loan Review Complete 2023-02-14 18:26:48.000000 Compliance Federal Compliance Compliance Open   2 29309149 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065350 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2016 WA $XXX Loan Review Complete 2023-02-14 18:26:48.000000 Compliance Federal Compliance Compliance Open   2 29309150 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower. (7506) The appraisal fee changed increased from $XXX on the initial Loan Estimate to $XXX on the final Loan Estimate and a valid change of circumstance or cure was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
275065350 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2016 WA $XXX Loan Review Complete 2023-02-14 18:26:48.000000 Compliance Federal Compliance Compliance Open   2 29309151 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2016) CD's not signed.         No Defined Cure
275065350 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2016 WA $XXX Loan Review Complete 2023-02-14 18:26:48.000000 Compliance Federal Compliance Compliance Open   2 29309152 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 02/XX/2016, prior to three (3) business days from transaction date of 02/XX/2016.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065350 XXX XXX XXX XXX Refinance Cash-out - Other Primary 2/XX/2016 WA $XXX Loan Review Complete 2023-02-14 18:26:48.000000 Compliance Federal Compliance Compliance Open   2 29309153 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065348 XXX XXX XXX XXX Purchase Primary 3/XX/2019 CO $XXX Loan Review Complete 2023-02-17 20:02:16.000000 Compliance Federal Compliance Compliance Cured 02/13/2023 1 29311222 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing. (8304)         (2023/XX/13): Sufficient Cure Provided At Closing Final CD evidences Cure
275065348 XXX XXX XXX XXX Purchase Primary 3/XX/2019 CO $XXX Loan Review Complete 2023-02-17 20:02:16.000000 Compliance Federal Compliance Compliance Open   2 29311223 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2019) Evidence of earlier borrower receipt was not found in file.         No Defined Cure
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312096 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312097 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312098 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312099 RESPA (2010) -  Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312100 RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312101 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312102 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance State Compliance Compliance Open   2 29312103 North Carolina First Lien Late Charge Percent Testing North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312104 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312105 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure):  Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
275065349 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2013 NC $XXX Loan Review Complete 2020-02-28 14:31:18.000000 Compliance Federal Compliance Compliance Open   2 29312106 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065351 XXX XXX XXX XXX Purchase Primary 6/XX/2005 NY $XXX Loan Review Complete 2023-02-27 11:11:18.000000 Compliance Federal Compliance Compliance Open   2 29312463 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065362 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2003 NY $XXX Loan Review Complete 2022-05-19 12:25:53.000000 Loan Package Documentation Application / Processing Credit Open   1 29569175 Missing Document: Missing Final 1003             Provide missing documentation
275065362 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2003 NY $XXX Loan Review Complete 2022-05-19 12:25:53.000000 Compliance Federal Compliance Compliance Open   2 29569176 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275065362 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2003 NY $XXX Loan Review Complete 2022-05-19 12:25:53.000000 Compliance Federal Compliance Compliance Open   2 29569177 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
275065362 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/2003 NY $XXX Loan Review Complete 2022-05-19 12:25:53.000000 Compliance Federal Compliance Compliance Open   2 29569178 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Loan Package Documentation Application / Processing Credit Open   1 29569474 Missing Document: Missing Final 1003       (2022/XX/06): APPEAL:  1003   (2022/XX/07): Broker 1003 provided. Exception remains. Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Miscellaneous Compliance Compliance Open   2 29569475 (Doc Error) Initial GFE not provided              
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Miscellaneous Compliance Compliance Cleared 09/07/2022 1 29569476 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.           (2022/XX/07): Cleared with HUD provided.  
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 29569477 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Cleared 09/07/2022 1 29569478 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.         (2022/XX/07): Cleared with HUD provided. Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Cleared 09/07/2022 1 29569479 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.     (2022/XX/06): APPEAL: HUD1   (2022/XX/07): Cleared with HUD provided. Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Cleared 09/07/2022 1 29569480 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2022/XX/07): Cleared with HUD provided. Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Open   2 29569481 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Open   2 29569482 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Open   2 29569483 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Cleared 09/15/2022 1 29569484 TILA - Final TIL Missing Missing Final TIL.     (2022/XX/15): Please see attached Final TIL   (2022/XX/15): Cleared with Final TIL provided. Provide missing documentation
275065361 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 MD $XXX Loan Review Complete 2022-09-07 08:54:26.000000 Compliance Federal Compliance Compliance Open   2 29569485 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065360 XXX XXX XXX XXX Purchase Primary 1/XX/2008 FL $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Loan Package Documentation Closing / Title Compliance Open   2 29569998 (Doc Error) TIL Error: Borrower signature not dated.              
275065360 XXX XXX XXX XXX Purchase Primary 1/XX/2008 FL $XXX Loan Review Complete 2022-08-30 12:09:12.000000 Compliance Federal Compliance Compliance Open   2 29569999 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065357 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29753682 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065357 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29753683 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065359 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 NJ $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Loan Package Documentation Closing / Title Compliance Open   2 29753974 (Doc Error) TIL Error: Borrower signature not dated.              
275065359 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 NJ $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29753975 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275065359 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2003 NJ $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29753976 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of amount financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   1 29754918 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29754919 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29754920 SAFE Act - Individual LO NMLS license status not approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.            
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29754921 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29754922 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065356 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2013 LA $XXX Loan Review Complete 2023-07-25 09:35:42.000000 Compliance Federal Compliance Compliance Open   2 29754923 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275065358 XXX XXX XXX XXX Refinance Rate/Term Primary 2/XX/2009 TX $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29755307 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756117 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756118 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756119 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756120 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756121 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756122 Safe Act NMLS - Missing Evidence of Initial Loan Application Date Secure and Fair Enforcement for Mortgage Licensing Act:  Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.           Provide missing documentation
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756123 RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756124 RESPA -  Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756125 RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance State Compliance Compliance Open   2 29756126 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance State Compliance Compliance Open   2 29756127 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance State Compliance Compliance Open   2 29756128 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act:  List of HUD-approved credit counseling agencies not provided to borrower.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756129 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Property - Appraisal Appraisal Documentation Credit Open   3 29756130 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>           Provide missing documentation
275065355 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2012 MI $XXX Loan Review Complete 2023-08-01 14:07:03.000000 Compliance Federal Compliance Compliance Open   2 29756131 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065522 XXX XXX XXX XXX Purchase Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 2024-07-30 16:25:33.000000 Compliance Federal Compliance Compliance Open   2 31237207 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275065522 XXX XXX XXX XXX Purchase Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 2024-07-30 16:25:33.000000 Compliance Federal Compliance Compliance Open   2 31237209 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065522 XXX XXX XXX XXX Purchase Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 2024-07-30 16:25:33.000000 Compliance Federal Compliance Compliance Open   2 31237210 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31210715 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31210730 Missing Document: Missing Final 1003             Provide missing documentation
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210774 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210775 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210780 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 4/XX/2006 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210781 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063626 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 4/XX/2006 ME $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31224916 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31210706 Missing Document: Missing Final 1003             Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210722 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31210723 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210724 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210726 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210728 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210729 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31210749 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31210762 (Doc Error) Initial GFE not provided              
275063693 XXX XXX XXX XXX Refinance UTD UTD 7/XX/1999 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31210765 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063767 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210961 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063767 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31210963 Tennessee Prepayment Penalty Test Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.            
275063767 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210964 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063767 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210965 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063767 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2002 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210967 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31210810 Missing Document: Missing Final 1003             Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31210892 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210914 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31210917 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210918 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210920 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210924 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210925 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31225087 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063787 XXX XXX XXX XXX Refinance UTD UTD 6/XX/2006 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31225091 (Doc Error) Initial GFE not provided              
275063797 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31221781 (Missing Doc) Incomplete loan images/file   File is missing HUD, Note or TIL required to run compliance.         Provide missing documentation
275063798 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31221782 (Missing Doc) Incomplete loan images/file   File is missing HUD, Note or TIL required to run compliance.         Provide missing documentation
275063799 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31221789 (Missing Doc) Incomplete loan images/file   File is missing HUD, Note or TIL required to run compliance.         Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31210955 Missing Document: Missing Final 1003             Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211089 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31211090 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211091 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211093 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211095 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211096 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31211118 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211121 (Doc Error) Initial GFE not provided              
275063801 XXX XXX XXX XXX Refinance UTD UTD 5/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211124 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31211183 Missing Document: Missing Final 1003             Provide missing documentation
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211214 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211215 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31211218 Connecticut Prepaid Finance Charge Connecticut Abusive Home Loan Lending Practices Act:   Prepaid Finance Charge Fees of $XXX exceed the greater of $XXX or $XXX.            
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31211219 Connecticut Prepayment Penalty- Graduated Payment Loans Connecticut Prepayment Penalty: A prepayment penalty is not permissible on graduated payment loans.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211220 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211221 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063809 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31227795 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063816 XXX XXX XXX XXX Refinance Rate/Term Investment 11/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211301 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211452 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31211454 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211455 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211457 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31211459 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31211460 New York Prepayment Penalty New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 6.75000% contracts for a prepay term of 36 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211461 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211462 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211463 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211464 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31211466 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31211499 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211501 (Doc Error) Initial GFE not provided              
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211505 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063817 XXX XXX XXX XXX Refinance UTD UTD 10/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31211506 Missing Document: Missing Final 1003             Provide missing documentation
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31211589 Missing Document: Missing Final 1003             Provide missing documentation
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211667 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211668 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211669 Disclosed Note P&I payment does not equal calculated P&I payment Disclosed Note P&I payment does not equal calculated P&I payment.  Note P&I of $XXX does not match calculated P&I of $XXX. Calculated P&I was used for the APR calculation and compliance testing.            
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211670 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211673 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211674 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 4/XX/2008 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063818 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31211693 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31211680 Missing Document: Missing Final 1003             Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211718 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31211719 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211720 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211722 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211724 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211725 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31211726 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31211731 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211734 (Doc Error) Initial GFE not provided              
275063820 XXX XXX XXX XXX UTD UTD UTD 11/XX/2007 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31211736 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31212442 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212464 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31212465 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Material Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212466 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212468 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212469 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063821 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212470 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063822 XXX XXX XXX XXX Purchase Second Home 3/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212611 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Prepaid interest in the amount of $XXX per final HUD is not included in prepaid finance charges per TIL Itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31212477 Missing Document: Missing Final 1003             Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212505 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31212506 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212507 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/1999 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212509 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212511 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212512 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31212526 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31212545 (Doc Error) Initial GFE not provided              
275063825 XXX XXX XXX XXX Refinance UTD UTD 1/XX/2000 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31212546 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31212619 (Doc Error) TIL Error: Borrower signature not dated.              
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31212621 (Doc Error) TIL Error: Final TIL not signed by all required parties              
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212711 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212712 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212713 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31212715 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31212716 New York Prepayment Penalty New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 9.12500% contracts for a prepay term of 24 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212717 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212718 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212719 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063827 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212720 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31212805 Missing Document: Missing Final 1003             Provide missing documentation
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31212880 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212924 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212925 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212928 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 9/XX/2006 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212929 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063828 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation UTD 9/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31212932 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063829 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213116 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063829 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213117 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063829 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213119 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31212974 Missing Document: Missing Final 1003             Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31212975 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31212977 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31212978 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213004 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213005 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31213006 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213007 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213009 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213010 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31213035 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31213054 (Doc Error) Initial GFE not provided              
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31213067 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 FHA MIP Document Error Compliance Open   3 31213071 Missing details of FHA UFMIP (ie. financed vs cash portions).  Testing is incomplete.             Provide missing documentation
275063830 XXX XXX XXX XXX Purchase UTD 10/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31213081 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213156 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213157 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 10/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213158 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213159 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose an attorney fee of $XXX an escrow service fee of $XXX a flood cert fee of $XXX and a tax cert fee of $XXX as prepaid finance charges. The TIL Itemization disclosed hazard insurance premium of $XXX which is not reflected on the hud as a prepaid discount fee.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213160 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is
not signed or dated by borrower so cannot confirm that borrower received.		          
275063831 XXX XXX XXX XXX Purchase Primary 10/XX/2009 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31213186 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275063832 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213193 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063832 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31213194 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063832 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213195 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063832 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213197 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063832 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213198 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063833 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Document Error General Credit Open   3 31213208 FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)            
275063834 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214026 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275063835 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213964 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063835 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213965 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063835 XXX XXX XXX XXX Purchase Primary 9/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31213966 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31214012 (Doc Error) TIL Error: Final TIL not signed by all required parties   Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.          
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31214016 (Doc Error) Initial GFE not provided              
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214028 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214029 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214031 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214033 RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214034 RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214035 RESPA -  Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214037 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214038 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275063836 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2010 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214039 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275063837 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214151 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063837 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214153 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063837 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214223 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063838 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31215286 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275063838 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215316 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275063838 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215317 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275063838 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215318 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063838 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215321 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275063839 XXX XXX XXX XXX Purchase Primary 12/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215205 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275063846 XXX XXX XXX XXX Purchase Primary 1/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215298 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275063846 XXX XXX XXX XXX Purchase Primary 1/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215299 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063846 XXX XXX XXX XXX Purchase Primary 1/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31215301 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31210175 Missing Document: Missing Final 1003             Provide missing documentation
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210548 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210550 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210554 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210555 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275063848 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 31210586 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275063849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210690 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
275063849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210691 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210693 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275063849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210694 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275063849 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31210695 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275063911 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217338 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275063911 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31217339 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275063911 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217340 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275063911 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217342 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275063911 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217343 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275063994 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31217295 Missing Document: Missing Final 1003             Provide missing documentation
275063994 XXX XXX XXX XXX Refinance Rate/Term Primary 4/XX/2003 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217355 (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)           Provide missing documentation
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31217245 Missing Document: Missing Final 1003             Provide missing documentation
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217286 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217288 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217289 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217291 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31217293 Pennsylvania First Lien Late Charge Grace Period Testing Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217294 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 4/XX/2004 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31217329 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064042 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 31217332 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064221 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218746 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064221 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31218747 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
275064221 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31218748 (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064221 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31218749 (TX50(a)(6)) Texas Cash-out Loan  (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) Texas Constitution Section 50(a)(6):   The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value.           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064222 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217265 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275064222 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31217266 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
275064222 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31217267 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31225926 (Doc Error) TIL Error: Borrower signature not dated.              
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225978 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225979 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225980 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225982 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064300 XXX XXX XXX XXX Refinance Rate/Term Primary 8/XX/2007 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225983 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064302 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210214 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064302 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210215 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
275064302 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210218 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275064302 XXX XXX XXX XXX Refinance Rate/Term Primary 12/XX/2005 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31210219 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. The itemization does not reflect a recording service fee of $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064595 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218614 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275064595 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218615 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064595 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31218618 North Carolina HELOC Prepayment Penalty North Carolina Prepayment Penalty: A prepayment penalty is not permissible on a HELOC.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064595 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218619 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 08/XX/1999, prior to three (3) business days from transaction date of 8/XX/1999 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064595 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31218645 Missing Document: Missing Final 1003             Provide missing documentation
275064598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 AL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31218547 Missing Document: Missing Final 1003             Provide missing documentation
275064598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 AL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218678 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
275064598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 AL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218679 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 AL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218682 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 12/XX/2000, prior to three (3) business days from transaction date of 12/XX/2000 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064598 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 AL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31231557 (Doc Error) Initial GFE not provided              
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31219087 Missing Document: Missing Final 1003             Provide missing documentation
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31219104 (Doc Error) TIL Error: Borrower signature not dated.              
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219147 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219148 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219151 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219152 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 9/XX/2007 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31231562 Disclosed Note P&I payment does not equal calculated P&I payment Disclosed Note P&I payment does not equal calculated P&I payment.  Note P&I of $XXX does not match calculated P&I of $XXX. Calculated P&I was used for the APR calculation and compliance testing.            
275064599 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31231563 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064621 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217460 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064649 XXX XXX XXX XXX Refinance UTD UTD 11/XX/1995 AZ $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31229003 (Missing Doc) Incomplete loan images/file   Missing Note stating terms of loan, HUD and TIL from loan file.         Provide missing documentation
275064655 XXX XXX XXX XXX Purchase Primary 11/XX/2004 MI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217537 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064655 XXX XXX XXX XXX Purchase Primary 11/XX/2004 MI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217538 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064655 XXX XXX XXX XXX Purchase Primary 11/XX/2004 MI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217539 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the email fee of $XXX processing fee of $XXX or the recording fee of $XXX as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217878 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31217880 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217885 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217886 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217887 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064657 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217888 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064660 XXX XXX XXX XXX Purchase Primary 1/XX/2004 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217752 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064660 XXX XXX XXX XXX Purchase Primary 1/XX/2004 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217753 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064660 XXX XXX XXX XXX Purchase Primary 1/XX/2004 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217754 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31217857 Missing Document: Missing Final 1003             Provide missing documentation
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217931 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217932 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217933 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31217934 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31217937 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31217939 (Doc Error) Initial GFE not provided              
275064662 XXX XXX XXX XXX Purchase UTD 7/XX/2001 FL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31217942 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31218088 Missing Document: Missing Final 1003             Provide missing documentation
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218230 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218231 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218232 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218235 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218236 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218237 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218238 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure. Prepaid finance charge per final HUD is $XXX and per TIL Itemization is $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218239 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 5/XX/2005 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Compliance Open   2 31218254 (Doc Error) TIL Error: Borrower signature not dated.              
275064667 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31218259 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31218125 Missing Document: Missing Final 1003             Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31218136 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 31218203 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218219 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31218220 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218221 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218223 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31218225 Illinois Prepayment Penalty Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 13.49000%.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218226 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218227 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218228 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218229 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31231540 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064673 XXX XXX XXX XXX Refinance UTD UTD 11/XX/2005 IL $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31231541 (Doc Error) Initial GFE not provided              
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31218263 Missing Document: Missing Final 1003             Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31218282 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218391 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31218392 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218393 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218395 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31218397 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV.  Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31218401 (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.           To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31218402 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31218403 (TX50(a)(6)) Texas Cash-out Loan (AFMV value and appraisal value not provided) Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218407 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218408 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218409 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31218410 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31231554 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31231555 (Doc Error) Initial GFE not provided              
275064674 XXX XXX XXX XXX Refinance UTD UTD 4/XX/2005 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31234265 (TX50(a)(6)) Texas Cash-out Loan  (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31212843 Missing Document: Missing Final 1003             Provide missing documentation
275064908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212876 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064908 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31212877 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064912 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219002 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064912 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219004 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064912 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219005 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064916 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219508 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064916 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219509 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064916 XXX XXX XXX XXX Purchase Primary 4/XX/2004 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219510 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064924 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2003 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219542 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064924 XXX XXX XXX XXX Refinance Cash-out - Other Primary 4/XX/2003 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31219544 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31219618 Louisiana Prepayment Penalty Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5).  Loan contracts for prepay percentages of 4.30000%, 4.30000%, 5.80000%,   which exceeds the max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219619 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219620 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064925 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2001 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219621 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064929 XXX XXX XXX XXX Refinance Rate/Term Second Home 3/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219635 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064929 XXX XXX XXX XXX Refinance Rate/Term Second Home 3/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31219636 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064930 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220067 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064930 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220070 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
275064930 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31231576 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220090 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064931 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220092 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064932 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 2/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220129 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 02/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064932 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 2/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220130 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064932 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Investment 2/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31242426 Disparity in Occupancy - High Cost as Primary The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. Georgia Fair Lending Act: Points and Fees on subject loan of 12.65966% is in excess of the allowable maximum of  5.00000% of the Total Loan Amount. Points and Fees total $XXX on a Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 7.65966%).  Non-Compliant High-Cost Loans.          
275064933 XXX XXX XXX XXX Purchase Primary 4/XX/2006 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220164 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275064933 XXX XXX XXX XXX Purchase Primary 4/XX/2006 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220165 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275064933 XXX XXX XXX XXX Purchase Primary 4/XX/2006 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220166 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine reason for under disclosure due to missing Itemization of Amount Financed. Itemization in file does not have fees listed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064933 XXX XXX XXX XXX Purchase Primary 4/XX/2006 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220167 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
275064938 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220357 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064938 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 TN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31220358 (Doc Error) Initial GFE not provided              
275064940 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220388 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064940 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220390 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064940 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220391 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064942 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220515 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275064942 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220516 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
275064942 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220517 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064942 XXX XXX XXX XXX Refinance Cash-out - Other Primary 1/XX/2005 NM $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220520 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 1/XX/2005 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064943 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2002 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220585 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
275064943 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2002 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220587 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL Itemization did not disclose the processing fee of $XXX as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064943 XXX XXX XXX XXX Refinance Rate/Term Primary 10/XX/2002 OR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220588 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31220594 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220595 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220596 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220597 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220598 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064951 XXX XXX XXX XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31220601 (Doc Error) Initial GFE not provided              
275064952 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220680 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064952 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220682 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064952 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31220685 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064952 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 AR $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31237693 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064953 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221352 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064953 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31221355 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
275064953 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   3 31221356 (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.           Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
275064953 XXX XXX XXX XXX Refinance Cash-out - Other Primary 12/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221361 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31221367 Missing Document: Missing Final 1003             Provide missing documentation
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221371 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31221372 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221373 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221375 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064955 XXX XXX XXX XXX Purchase Primary 5/XX/2004 NV $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31237769 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064957 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31221445 Missing Document: Missing Final 1003             Provide missing documentation
275064957 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221451 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064957 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221453 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275064957 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221454 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Settlement fee per final HUD is $XXX and per TIL Itemization is $XXX. Courier fee per final HUD is $XXX and per TIL Itemization is $XXX. Demand fee per TIL Itemization is $XXX and is not listed as a fee on the final HUD. Lender credit per final HUD and TIL Itemization of $XXX is not included in calculated finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064957 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31221456 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064964 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221483 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064964 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221485 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064964 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221486 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275064964 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221487 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275064964 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31221488 (Doc Error) Initial GFE not provided              
275064966 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   1 31221531 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
275064966 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221533 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275064966 XXX XXX XXX XXX Refinance Rate/Term Primary 1/XX/2005 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221534 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
275064967 XXX XXX XXX XXX Purchase Primary 7/XX/2004 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221542 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064967 XXX XXX XXX XXX Purchase Primary 7/XX/2004 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221543 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064967 XXX XXX XXX XXX Purchase Primary 7/XX/2004 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31221544 Massachusetts Prepayment Penalty Massachusetts Prepayment Penalty: A prepayment penalty is not permissible on a partial prepayment.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064968 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221553 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064968 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221554 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31221746 Missing Document: Missing Final 1003             Provide missing documentation
275064969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221757 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275064969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221758 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064969 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31221760 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Unable to test due to missing tangible net benefit information.            
275064975 XXX XXX XXX XXX Purchase Primary 1/XX/2004 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221775 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275064975 XXX XXX XXX XXX Purchase Primary 1/XX/2004 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221776 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 01/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064975 XXX XXX XXX XXX Purchase Primary 1/XX/2004 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31221777 Mississippi Late Charge Percent and Amount Testing > $XXX Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $XXX whichever is greater.            
275064975 XXX XXX XXX XXX Purchase Primary 1/XX/2004 MS $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31221778 Mississippi Prepayment Penalty Mississippi Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% [in Years 1-5]. Loan contracts for prepay percentages of 5.00000%, 5.00000%, 5.00000%,   which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.            
275064977 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221783 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275064977 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221785 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064977 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221787 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275064977 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Closing / Title Credit Open   2 31238045 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
275064978 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221806 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064978 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221808 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064978 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2005 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221809 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221799 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31221800 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Material Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221801 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221804 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31238081 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064980 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31242599 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275064988 XXX XXX XXX XXX Purchase Primary 3/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31223778 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064992 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31223990 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064992 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31223992 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064992 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31223993 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064994 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224144 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275064994 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224146 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275064994 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 LA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224147 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275064999 XXX XXX XXX XXX Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224200 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065001 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221764 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
275065001 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221766 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065001 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31221770 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003 12:00:00 AM.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214228 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31214229 Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Material Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214230 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214231 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31214232 California Prepayment Penalty ARM Test California Prepayment Penalty:  Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.            
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214233 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065225 XXX XXX XXX XXX Purchase Primary 8/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31214234 CHARM Booklet Disclosure Status Unable to determine if loan file contains CHARM Booklet due to missing information.           No Defined Cure
275065227 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224315 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065227 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31224316 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.            
275065227 XXX XXX XXX XXX Refinance Rate/Term Primary 7/XX/2006 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224317 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. TIL itemization did not disclose a title pickup fee of $XXX as a prepaid finance charge as reflected on the HUD. The TIL Itemization disclosed a credit report fee of $XXX, a title search fee of $XXX and an attorney fee for 2nd of $XXX as prepaid finance charges, that are not reflected on the hud as prepaid finance charges. The TIL Itemization disclosed a title courier fee of $XXX that is reflected on the HUD at $XXX.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
275065229 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224322 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065229 XXX XXX XXX XXX Refinance Cash-out - Other Primary 8/XX/2002 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224324 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065235 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 IN $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224427 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224490 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224492 RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224493 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31224494 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX).  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224495 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065237 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224496 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31224484 Missing Document: Missing Final 1003             Provide missing documentation
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31224522 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224523 (Doc Error) Initial GFE not provided              
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224524 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224532 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31224533 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224534 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224536 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31224537 California Prepayment Penalty ARM Test California Prepayment Penalty:  Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.            
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224538 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224539 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065238 XXX XXX XXX XXX Purchase UTD 7/XX/2005 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224540 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31224544 Missing Document: Missing Final 1003             Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224578 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31224579 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224580 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224582 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224583 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31224591 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224598 (Doc Error) Initial GFE not provided              
275065270 XXX XXX XXX XXX Purchase UTD 4/XX/2005 MO $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224599 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065274 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1999 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224695 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 10/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275065274 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1999 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31224696 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065274 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1999 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224697 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 09/XX/1999 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065274 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1999 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224699 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065274 XXX XXX XXX XXX Refinance Cash-out - Other Primary 9/XX/1999 UT $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224700 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065281 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31224675 Missing Final HUD-1:  HUD-1 Not Signed or Stamped Used For Fee Testing Material Missing Final HUD-1:  HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
275065281 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224676 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065281 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224678 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065281 XXX XXX XXX XXX Refinance Cash-out - Other Primary 10/XX/2003 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224679 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065287 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31225044 (Missing Doc) Incomplete loan images/file   Missing Note, HUD and TIL to run compliance.         Provide missing documentation
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31224683 Missing Document: Missing Final 1003             Provide missing documentation
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31224770 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224773 (Doc Error) Initial GFE not provided              
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224776 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224777 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224778 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224779 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224780 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065291 XXX XXX XXX XXX Purchase Primary 9/XX/2004 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224781 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31224915 Missing Document: Missing Final 1003             Provide missing documentation
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Compliance Open   2 31224924 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224926 (Doc Error) Initial GFE not provided              
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31224928 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224938 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   3 31224939 Missing Final HUD-1:  No Document Used For Fee Testing Material Missing Final HUD-1.  No document containing fees provided.  Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224940 Missing Initial Loan Application No Fees No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224942 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224943 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224944 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
275065294 XXX XXX XXX XXX Purchase UTD 3/XX/2005 PA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224945 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065295 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224994 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065295 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224995 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065295 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224996 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
275065295 XXX XXX XXX XXX Purchase Primary 3/XX/2004 CA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31224997 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
275065296 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:17:20.000000 Loan Package Documentation Loan File Compliance Open   3 31225075 (Missing Doc) Incomplete loan images/file   Missing Note, HUD and TIL to complete compliance testing.         Provide missing documentation
275065297 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225026 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065297 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 SC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31239301 (Doc Error) Initial GFE not provided              
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225078 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225080 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31225081 Wisconsin Late Charge Amount Testing First Lien Wisconsin Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.            
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31225082 Wisconsin Late Charge Grace Period Testing > $XXX Wisconsin Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.            
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance State Compliance Compliance Open   2 31225083 Wisconsin Prepayment Penalty Wisconsin Prepayment Penalty: Maximum prepay  allowed per state is 60 days interest calculated on 80% of the original loan amount ($XXX).  Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.            
275065313 XXX XXX XXX XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225084 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31225173 Prepayment Penalty Discrepancy              
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31225179 Prepayment Penalty Discrepancy Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, FNMA, and/or QM points and fees findings.            
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225363 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225366 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225368 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
275065363 XXX XXX XXX XXX Refinance Rate/Term Primary 5/XX/2004 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225369 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225297 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225347 Federal HPML 2009 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.41613% or Final Disclosure APR of 6.42800% is equal to or greater than the threshold of APOR 4.84% + 1.5%, or 6.34000%.  Compliant Higher Priced Mortgage Loan.            
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225348 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 06/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225349 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.            
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225350 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
275065364 XXX XXX XXX XXX Purchase Primary 6/XX/2010 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225351 RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
275065366 XXX XXX XXX XXX Purchase Primary 8/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225244 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065366 XXX XXX XXX XXX Purchase Primary 8/XX/2004 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225282 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065367 XXX XXX XXX XXX Purchase Primary 10/XX/2006 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225516 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065368 XXX XXX XXX XXX Purchase Primary 2/XX/2009 TX $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225439 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 02/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225600 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225612 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31225672 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225677 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225678 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225679 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065382 XXX XXX XXX XXX Purchase Primary 4/XX/2006 DE $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225680 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065383 XXX XXX XXX XXX Purchase Primary 11/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225542 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065383 XXX XXX XXX XXX Purchase Primary 11/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31225575 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065383 XXX XXX XXX XXX Purchase Primary 11/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225608 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065383 XXX XXX XXX XXX Purchase Primary 11/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225609 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Application / Processing Credit Open   1 31225716 Missing Document: Missing Final 1003             Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225720 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Property - Appraisal General Appraisal Requirements Credit Open   2 31225802 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 11/XX/2004 2 Family            
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31225811 (Doc Error) Initial GFE not provided              
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225817 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225818 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225819 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225820 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065384 XXX XXX XXX XXX Purchase Primary 12/XX/2004 NY $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31225821 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225728 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225729 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225730 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31225741 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225861 Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of 09/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225862 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing.  Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225863 Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Federal Compliance Compliance Open   2 31225864 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
275065402 XXX XXX XXX XXX Purchase Primary 9/XX/1999 GA $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Compliance Miscellaneous Compliance Compliance Open   2 31225868 (Doc Error) Initial GFE not provided              
275065403 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225891 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
275065403 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Loan Package Documentation Government Documentation Credit Open   3 31225892 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
275065403 XXX XXX XXX XXX Refinance Rate/Term Primary 6/XX/2007 NC $XXX Reviewed with Exceptions 2024-07-30 18:37:51.000000 Disclosure Missing Document Credit Open   3 31225924 FHA Informed  Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)           Provide missing documentation
275065765 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31205530 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued GFE's.         Provide missing documentation
275065767 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31205389 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, and an origination credit report.         Provide missing documentation
275065821 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31217923 (Missing Doc) Incomplete loan images/file   Loan was manually underwritten.  Guidelines are required.  Received response from client stating guidelines are not available.         Provide missing documentation
275065824 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31204458 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide a Note, an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's.         Provide missing documentation
275065825 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31203540 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, an origination credit report, final Title, and all issued LE's and CD's.         Provide missing documentation
275065826 XXX XXX XXX XXX         $XXX Reviewed with Exceptions 2024-07-30 18:21:40.000000 Loan Package Documentation Loan File Compliance Open   3 31206656 (Missing Doc) Incomplete loan images/file   The file is missing one or more of the core documents required for a review.  Please provide an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's.         Provide missing documentation